Call reports 2014
GRAND RIDGE NATIONAL BANK — 2014
What GRAND RIDGE NATIONAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 82,236,000 | 83,466,000 | 93,444,000 | 100,099,000 |
| Total loans | 61,040,000 | 67,080,000 | 72,561,000 | 76,341,000 |
| Allowance for loan losses | 695,000 | 766,000 | 832,000 | 870,000 |
| Securities available for sale | 6,278,000 | 6,114,000 | 5,908,000 | 4,837,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,522,000 | 71,534,000 | 81,125,000 | 87,635,000 |
| Interest-bearing deposits | 55,622,000 | 57,348,000 | 66,269,000 | 73,042,000 |
| Noninterest-bearing deposits | 14,900,000 | 14,186,000 | 14,856,000 | 14,593,000 |
| Equity capital | 11,174,000 | 11,486,000 | 11,815,000 | 12,148,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,073,000 | 2,288,000 | 3,632,000 | 4,959,000 |
| Interest expense | 81,000 | 160,000 | 241,000 | 331,000 |
| Net interest income | 992,000 | 2,128,000 | 3,391,000 | 4,628,000 |
| Noninterest income | 27,000 | 76,000 | 123,000 | 143,000 |
| Noninterest expense | 603,000 | 1,239,000 | 1,935,000 | 2,608,000 |
| Provision for loan losses | 31,000 | 102,000 | 168,000 | 207,000 |
| Pretax income | 385,000 | 863,000 | 1,411,000 | 1,956,000 |
| Income tax | 146,000 | 329,000 | 540,000 | 744,000 |
| Net income | 239,000 | 534,000 | 871,000 | 1,212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,096,000 | 10,400,000 | 10,746,000 | 11,096,000 |
| Total capital | 10,791,000 | 11,166,000 | 11,578,000 | 11,966,000 |
| Risk-weighted assets | 58,826,000 | 63,291,000 | 66,865,000 | 70,201,000 |
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