Call reports 2015
GRAHAM SAVINGS AND LOAN, SSB — 2015
What GRAHAM SAVINGS AND LOAN, SSB reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 127,037,000 | 124,187,000 | 123,431,000 | 121,611,000 |
| Total loans | 84,099,000 | 85,559,000 | 84,271,000 | 83,995,000 |
| Allowance for loan losses | 1,123,000 | 1,123,000 | 1,123,000 | 1,123,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 11,937,000 | 10,805,000 | 10,237,000 | 9,832,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,582,000 | 106,901,000 | 106,012,000 | 104,008,000 |
| Interest-bearing deposits | 103,184,000 | 99,096,000 | 98,970,000 | 99,173,000 |
| Noninterest-bearing deposits | 6,398,000 | 7,805,000 | 7,042,000 | 4,835,000 |
| Equity capital | 14,575,000 | 14,358,000 | 14,539,000 | 14,909,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,267,000 | 2,527,000 | 3,799,000 | 5,057,000 |
| Interest expense | 208,000 | 415,000 | 619,000 | 818,000 |
| Net interest income | 1,059,000 | 2,112,000 | 3,180,000 | 4,239,000 |
| Noninterest income | 52,000 | 116,000 | 181,000 | 242,000 |
| Noninterest expense | 772,000 | 1,533,000 | 2,295,000 | 3,044,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 339,000 | 695,000 | 1,066,000 | 1,437,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 339,000 | 695,000 | 1,066,000 | 1,437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,575,000 | 14,358,000 | 14,539,000 | 14,909,000 |
| Total capital | 15,336,000 | 15,135,000 | 15,307,000 | 15,668,000 |
| Risk-weighted assets | 60,580,000 | 61,841,000 | 61,097,000 | 60,426,000 |