Call reports 2015
H. F. GEHANT BANKING CO. — 2015
What H. F. GEHANT BANKING CO. 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 | 58,458,000 | 58,926,000 | 57,775,000 | 58,210,000 |
| Total loans | 40,967,000 | 40,645,000 | 39,775,000 | 40,510,000 |
| Allowance for loan losses | 598,000 | 643,000 | 645,000 | 617,000 |
| Securities available for sale | 7,426,000 | 7,126,000 | 6,366,000 | 6,358,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,786,000 | 51,134,000 | 49,907,000 | 50,275,000 |
| Interest-bearing deposits | 46,621,000 | 46,332,000 | 45,711,000 | 44,046,000 |
| Noninterest-bearing deposits | 4,165,000 | 4,802,000 | 4,196,000 | 6,229,000 |
| Equity capital | 7,600,000 | 7,601,000 | 7,748,000 | 7,860,000 |
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 | 565,000 | 1,132,000 | 1,689,000 | 2,237,000 |
| Interest expense | 60,000 | 121,000 | 182,000 | 241,000 |
| Net interest income | 505,000 | 1,011,000 | 1,507,000 | 1,996,000 |
| Noninterest income | 29,000 | 54,000 | 80,000 | 111,000 |
| Noninterest expense | 304,000 | 591,000 | 951,000 | 1,371,000 |
| Provision for loan losses | 25,000 | 62,000 | 62,000 | 62,000 |
| Pretax income | 207,000 | 414,000 | 585,000 | 685,000 |
| Income tax | 0 | 0 | 0 | 8,000 |
| Net income | 207,000 | 414,000 | 585,000 | 677,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,477,000 | 7,542,000 | 7,667,000 | 7,722,000 |
| Total capital | 8,025,000 | 8,040,000 | 8,170,000 | 8,229,000 |
| Risk-weighted assets | 43,790,000 | 39,684,000 | 40,092,000 | 40,526,000 |