Call reports 2019
GRAND BANK — 2019
What GRAND BANK 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 | 376,292,000 | 372,913,000 | 387,422,000 | 391,271,000 |
| Total loans | 312,140,000 | 315,293,000 | 323,845,000 | 314,067,000 |
| Allowance for loan losses | 4,785,000 | 4,566,000 | 4,705,000 | 4,858,000 |
| Securities available for sale | 23,583,000 | 21,521,000 | 22,793,000 | 44,060,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 330,372,000 | 325,672,000 | 334,813,000 | 325,108,000 |
| Interest-bearing deposits | 260,547,000 | 260,329,000 | 265,118,000 | 256,108,000 |
| Noninterest-bearing deposits | 69,825,000 | 65,343,000 | 69,695,000 | 69,000,000 |
| Equity capital | 39,098,000 | 40,549,000 | 41,817,000 | 41,462,000 |
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 | 4,502,000 | 9,234,000 | 14,001,000 | 18,706,000 |
| Interest expense | 1,123,000 | 2,313,000 | 3,572,000 | 4,696,000 |
| Net interest income | 3,379,000 | 6,921,000 | 10,429,000 | 14,010,000 |
| Noninterest income | 217,000 | 441,000 | 677,000 | 905,000 |
| Noninterest expense | 2,002,000 | 4,153,000 | 6,093,000 | 8,138,000 |
| Provision for loan losses | 40,000 | 130,000 | 280,000 | 430,000 |
| Pretax income | 1,554,000 | 3,079,000 | 4,733,000 | 6,347,000 |
| Income tax | 346,000 | 553,000 | 972,000 | 1,308,000 |
| Net income | 1,208,000 | 2,526,000 | 3,761,000 | 5,039,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,271,000 | 38,589,000 | 39,824,000 | 39,703,000 |
| Total capital | 41,302,000 | 42,662,000 | 43,998,000 | 43,872,000 |
| Risk-weighted assets | 321,734,000 | 325,339,000 | 333,395,000 | 332,849,000 |