Call reports 2025
GRAND RIDGE NATIONAL BANK — 2025
What GRAND RIDGE NATIONAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 396,124,000 | 422,271,000 | 457,295,000 | 446,849,000 |
| Total loans | 307,948,000 | 309,542,000 | 333,035,000 | 329,726,000 |
| Allowance for loan losses | 3,438,000 | 3,443,000 | 3,451,000 | 3,503,000 |
| Securities available for sale | 85,000 | 80,000 | 77,000 | 72,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 340,571,000 | 365,861,000 | 398,308,000 | 387,259,000 |
| Interest-bearing deposits | 255,465,000 | 274,795,000 | 305,981,000 | 301,004,000 |
| Noninterest-bearing deposits | 85,106,000 | 91,066,000 | 92,327,000 | 86,255,000 |
| Equity capital | 53,103,000 | 53,759,000 | 55,285,000 | 56,833,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 6,966,000 | 14,262,000 | 22,073,000 | 29,925,000 |
| Interest expense | 2,105,000 | 4,308,000 | 6,717,000 | 9,013,000 |
| Net interest income | 4,861,000 | 9,954,000 | 15,356,000 | 20,912,000 |
| Noninterest income | 148,000 | 292,000 | 415,000 | 543,000 |
| Noninterest expense | 2,844,000 | 5,869,000 | 9,224,000 | 12,349,000 |
| Provision for loan losses | 0 | 0 | 0 | 430,000 |
| Pretax income | 2,165,000 | 4,377,000 | 6,547,000 | 8,676,000 |
| Income tax | 643,000 | 1,299,000 | 1,944,000 | 2,525,000 |
| Net income | 1,522,000 | 3,078,000 | 4,603,000 | 6,151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,095,000 | 52,664,000 | 54,199,000 | 55,755,000 |