Call reports 2019
GRAHAM SAVINGS AND LOAN, SSB — 2019
What GRAHAM SAVINGS AND LOAN, SSB reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 134,979,000 | 137,437,000 | 138,538,000 | 137,817,000 |
| Total loans | 102,101,000 | 103,242,000 | 101,174,000 | 102,643,000 |
| Allowance for loan losses | 956,000 | 1,186,000 | 1,086,000 | 1,052,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,897,000 | 10,739,000 | 10,438,000 | 10,129,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,133,000 | 109,170,000 | 109,963,000 | 109,272,000 |
| Interest-bearing deposits | 97,255,000 | 99,693,000 | 103,158,000 | 102,740,000 |
| Noninterest-bearing deposits | 7,878,000 | 9,477,000 | 6,805,000 | 6,532,000 |
| Equity capital | 15,987,000 | 15,635,000 | 15,981,000 | 15,959,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,571,000 | 3,209,000 | 4,847,000 | 6,483,000 |
| Interest expense | 406,000 | 858,000 | 1,348,000 | 1,853,000 |
| Net interest income | 1,165,000 | 2,351,000 | 3,499,000 | 4,630,000 |
| Noninterest income | 78,000 | 159,000 | 245,000 | 416,000 |
| Noninterest expense | 863,000 | 1,807,000 | 2,795,000 | 3,737,000 |
| Provision for loan losses | 0 | 230,000 | 130,000 | 130,000 |
| Pretax income | 380,000 | 473,000 | 819,000 | 1,179,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 380,000 | 473,000 | 819,000 | 1,179,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,987,000 | 15,635,000 | 15,981,000 | 15,959,000 |
| Total capital | 16,943,000 | 16,646,000 | 16,982,000 | 16,976,000 |
| Risk-weighted assets | 79,370,000 | 80,750,000 | 80,049,000 | 81,399,000 |