Call reports 2016
GNBANK, NATIONAL ASSOCIATION DBA GNBANK, N.A. — 2016
What GNBANK, NATIONAL ASSOCIATION DBA GNBANK, N.A. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 657,796,000 | 655,484,000 | 645,158,000 | 649,218,000 |
| Total loans | 449,241,000 | 449,341,000 | 442,320,000 | 444,259,000 |
| Allowance for loan losses | 5,887,000 | 6,286,000 | 6,504,000 | 6,907,000 |
| Securities available for sale | 168,477,000 | 168,371,000 | 167,024,000 | 162,537,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 508,393,000 | 509,534,000 | 496,117,000 | 518,631,000 |
| Interest-bearing deposits | 478,186,000 | 481,500,000 | 466,897,000 | 491,102,000 |
| Noninterest-bearing deposits | 30,207,000 | 28,034,000 | 29,220,000 | 27,529,000 |
| Equity capital | 78,391,000 | 79,631,000 | 79,739,000 | 76,457,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 6,962,000 | 14,001,000 | 21,100,000 | 27,813,000 |
| Interest expense | 831,000 | 1,670,000 | 2,488,000 | 3,271,000 |
| Net interest income | 6,131,000 | 12,331,000 | 18,612,000 | 24,542,000 |
| Noninterest income | 965,000 | 1,844,000 | 2,788,000 | 3,937,000 |
| Noninterest expense | 4,536,000 | 8,793,000 | 13,038,000 | 18,383,000 |
| Provision for loan losses | 173,000 | 479,000 | 815,000 | 1,161,000 |
| Pretax income | 2,387,000 | 4,903,000 | 7,547,000 | 8,935,000 |
| Income tax | 765,000 | 1,589,000 | 2,453,000 | 2,863,000 |
| Net income | 1,622,000 | 3,314,000 | 5,094,000 | 6,072,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,115,000 | 66,190,000 | 66,555,000 | 65,496,000 |
| Total capital | 72,002,000 | 72,476,000 | 73,058,000 | 71,924,000 |
| Risk-weighted assets | 525,870,000 | 529,272,000 | 528,644,000 | 513,663,000 |