Call reports 2019
GRAND RIDGE NATIONAL BANK — 2019
What GRAND RIDGE NATIONAL 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 | 203,887,000 | 216,269,000 | 223,707,000 | 221,588,000 |
| Total loans | 174,810,000 | 182,135,000 | 187,187,000 | 180,789,000 |
| Allowance for loan losses | 1,025,000 | 1,025,000 | 1,025,000 | 1,035,000 |
| Securities available for sale | 649,000 | 618,000 | 573,000 | 528,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,989,000 | 189,411,000 | 195,645,000 | 193,199,000 |
| Interest-bearing deposits | 137,495,000 | 146,830,000 | 147,346,000 | 148,428,000 |
| Noninterest-bearing deposits | 40,494,000 | 42,581,000 | 48,299,000 | 44,771,000 |
| Equity capital | 25,056,000 | 26,054,000 | 26,963,000 | 27,630,000 |
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 | 3,191,000 | 6,591,000 | 10,074,000 | 13,576,000 |
| Interest expense | 438,000 | 996,000 | 1,586,000 | 2,143,000 |
| Net interest income | 2,753,000 | 5,595,000 | 8,488,000 | 11,433,000 |
| Noninterest income | 93,000 | 186,000 | 295,000 | 1,293,000 |
| Noninterest expense | 1,475,000 | 3,007,000 | 4,594,000 | 6,815,000 |
| Provision for loan losses | 0 | 0 | 0 | 326,000 |
| Pretax income | 1,371,000 | 2,774,000 | 4,189,000 | 5,585,000 |
| Income tax | 397,000 | 808,000 | 1,223,000 | 1,575,000 |
| Net income | 974,000 | 1,966,000 | 2,966,000 | 4,010,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,830,000 | 24,840,000 | 25,761,000 | 26,435,000 |
| Total capital | 24,855,000 | 25,865,000 | 26,786,000 | 27,470,000 |
| Risk-weighted assets | 167,361,000 | 178,807,000 | 181,911,000 | 175,323,000 |