Call reports 2015
GUNNISON VALLEY BANK — 2015
What GUNNISON VALLEY BANK 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 | 77,445,000 | 79,343,000 | 82,047,000 | 83,128,000 |
| Total loans | 66,648,000 | 69,205,000 | 69,983,000 | 71,378,000 |
| Allowance for loan losses | 1,038,000 | 1,139,000 | 1,327,000 | 1,338,000 |
| Securities available for sale | 2,577,000 | 2,565,000 | 2,283,000 | 2,274,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,106,000 | 69,501,000 | 71,836,000 | 73,648,000 |
| Interest-bearing deposits | 53,791,000 | 54,439,000 | 56,106,000 | 57,139,000 |
| Noninterest-bearing deposits | 14,315,000 | 15,062,000 | 15,730,000 | 16,509,000 |
| Equity capital | 8,735,000 | 9,182,000 | 9,603,000 | 8,814,000 |
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 | 1,201,000 | 2,555,000 | 3,916,000 | 5,242,000 |
| Interest expense | 109,000 | 223,000 | 344,000 | 466,000 |
| Net interest income | 1,092,000 | 2,332,000 | 3,572,000 | 4,776,000 |
| Noninterest income | 69,000 | 154,000 | 240,000 | 357,000 |
| Noninterest expense | 680,000 | 1,295,000 | 1,967,000 | 2,654,000 |
| Provision for loan losses | 450,000 | 700,000 | 950,000 | 2,363,000 |
| Pretax income | 31,000 | 491,000 | 895,000 | 116,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 31,000 | 491,000 | 895,000 | 116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,753,000 | 9,213,000 | 9,617,000 | 8,838,000 |
| Total capital | 9,605,000 | 10,100,000 | 10,520,000 | 9,759,000 |
| Risk-weighted assets | 67,994,000 | 70,718,000 | 71,796,000 | 73,292,000 |