Call reports 2015
GRAND RIDGE NATIONAL BANK — 2015
What GRAND RIDGE NATIONAL 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 | 150,522,000 | 145,906,000 | 136,840,000 | 129,857,000 |
| Total loans | 102,449,000 | 101,614,000 | 101,059,000 | 103,033,000 |
| Allowance for loan losses | 870,000 | 870,000 | 860,000 | 860,000 |
| Securities available for sale | 9,695,000 | 7,963,000 | 7,278,000 | 5,578,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,417,000 | 129,276,000 | 119,563,000 | 111,797,000 |
| Interest-bearing deposits | 108,179,000 | 103,391,000 | 94,858,000 | 85,746,000 |
| Noninterest-bearing deposits | 26,238,000 | 25,885,000 | 24,706,000 | 26,051,000 |
| Equity capital | 15,552,000 | 16,058,000 | 16,481,000 | 17,581,000 |
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 | 1,581,000 | 3,408,000 | 5,139,000 | 6,958,000 |
| Interest expense | 122,000 | 248,000 | 366,000 | 465,000 |
| Net interest income | 1,459,000 | 3,160,000 | 4,773,000 | 6,493,000 |
| Noninterest income | 101,000 | 405,000 | 501,000 | 1,441,000 |
| Noninterest expense | 946,000 | 2,154,000 | 3,178,000 | 4,418,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 614,000 | 1,410,000 | 2,095,000 | 3,515,000 |
| Income tax | 225,000 | 516,000 | 780,000 | 1,050,000 |
| Net income | 389,000 | 894,000 | 1,315,000 | 2,465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,891,000 | 14,250,000 | 14,675,000 | 16,104,000 |
| Total capital | 14,761,000 | 15,120,000 | 15,535,000 | 16,964,000 |
| Risk-weighted assets | 99,243,000 | 93,265,000 | 98,228,000 | 99,748,000 |