Call reports 2016
GUNNISON VALLEY BANK — 2016
What GUNNISON VALLEY BANK 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 | 83,732,000 | 87,676,000 | 87,811,000 | 86,771,000 |
| Total loans | 73,259,000 | 75,522,000 | 75,370,000 | 74,180,000 |
| Allowance for loan losses | 1,891,000 | 2,016,000 | 2,048,000 | 2,170,000 |
| Securities available for sale | 1,847,000 | 2,300,000 | 2,300,000 | 2,207,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,408,000 | 78,542,000 | 77,108,000 | 78,255,000 |
| Interest-bearing deposits | 60,217,000 | 63,585,000 | 61,957,000 | 60,966,000 |
| Noninterest-bearing deposits | 15,191,000 | 14,957,000 | 15,151,000 | 17,289,000 |
| Equity capital | 7,712,000 | 8,462,000 | 9,092,000 | 7,864,000 |
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 | 1,386,000 | 2,797,000 | 4,264,000 | 5,603,000 |
| Interest expense | 129,000 | 267,000 | 408,000 | 549,000 |
| Net interest income | 1,257,000 | 2,530,000 | 3,856,000 | 5,054,000 |
| Noninterest income | 99,000 | 131,000 | 255,000 | 298,000 |
| Noninterest expense | 652,000 | 1,206,000 | 1,776,000 | 2,497,000 |
| Provision for loan losses | 1,828,000 | 1,828,000 | 2,078,000 | 3,736,000 |
| Pretax income | -1,124,000 | -373,000 | 257,000 | -881,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,124,000 | -373,000 | 257,000 | -881,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,714,000 | 8,464,000 | 9,094,000 | 7,957,000 |
| Total capital | 8,684,000 | 9,456,000 | 10,090,000 | 8,937,000 |
| Risk-weighted assets | 76,679,000 | 78,347,000 | 78,623,000 | 77,217,000 |