Call reports 2015
GRAND BANK — 2015
What GRAND 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 | 248,635,000 | 258,219,000 | 274,864,000 | 256,171,000 |
| Total loans | 196,376,000 | 203,221,000 | 208,200,000 | 209,438,000 |
| Allowance for loan losses | 3,980,000 | 4,000,000 | 4,000,000 | 4,250,000 |
| Securities available for sale | 32,077,000 | 31,055,000 | 30,460,000 | 30,525,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,559,000 | 213,365,000 | 225,934,000 | 211,971,000 |
| Interest-bearing deposits | 158,248,000 | 159,662,000 | 161,589,000 | 163,604,000 |
| Noninterest-bearing deposits | 51,311,000 | 53,703,000 | 64,345,000 | 48,367,000 |
| Equity capital | 29,284,000 | 28,934,000 | 29,686,000 | 30,235,000 |
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 | 2,792,000 | 5,831,000 | 8,824,000 | 11,773,000 |
| Interest expense | 147,000 | 298,000 | 461,000 | 627,000 |
| Net interest income | 2,645,000 | 5,533,000 | 8,363,000 | 11,146,000 |
| Noninterest income | 217,000 | 442,000 | 688,000 | 940,000 |
| Noninterest expense | 1,952,000 | 4,016,000 | 6,162,000 | 8,121,000 |
| Provision for loan losses | -9,000 | 2,000 | -7,000 | 490,000 |
| Pretax income | 919,000 | 2,024,000 | 2,963,000 | 3,618,000 |
| Income tax | 238,000 | 480,000 | 795,000 | 984,000 |
| Net income | 681,000 | 1,544,000 | 2,168,000 | 2,634,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,695,000 | 26,758,000 | 27,382,000 | 27,848,000 |
| Total capital | 29,369,000 | 29,503,000 | 30,246,000 | 30,647,000 |
| Risk-weighted assets | 212,614,000 | 218,380,000 | 228,033,000 | 222,540,000 |
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