Call reports 2016
GRAHAM SAVINGS AND LOAN, SSB — 2016
What GRAHAM SAVINGS AND LOAN, SSB 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 | 120,852,000 | 121,571,000 | 120,198,000 | 120,529,000 |
| Total loans | 84,834,000 | 85,307,000 | 83,847,000 | 85,752,000 |
| Allowance for loan losses | 1,117,000 | 1,117,000 | 1,117,000 | 1,055,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 9,246,000 | 9,254,000 | 9,275,000 | 10,939,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,970,000 | 104,017,000 | 102,429,000 | 103,545,000 |
| Interest-bearing deposits | 97,358,000 | 96,861,000 | 97,038,000 | 99,402,000 |
| Noninterest-bearing deposits | 5,612,000 | 7,156,000 | 5,391,000 | 4,143,000 |
| Equity capital | 15,122,000 | 14,801,000 | 14,952,000 | 15,271,000 |
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 | 1,250,000 | 2,516,000 | 3,754,000 | 5,015,000 |
| Interest expense | 191,000 | 386,000 | 585,000 | 803,000 |
| Net interest income | 1,059,000 | 2,130,000 | 3,169,000 | 4,212,000 |
| Noninterest income | 69,000 | 138,000 | 214,000 | 283,000 |
| Noninterest expense | 724,000 | 1,486,000 | 2,259,000 | 3,052,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 404,000 | 782,000 | 1,124,000 | 1,443,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 404,000 | 782,000 | 1,124,000 | 1,443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,122,000 | 14,801,000 | 14,952,000 | 15,271,000 |
| Total capital | 15,897,000 | 15,588,000 | 15,741,000 | 16,068,000 |
| Risk-weighted assets | 61,682,000 | 62,664,000 | 62,814,000 | 63,513,000 |