Call reports 2015
GLADEWATER NATIONAL BANK — 2015
What GLADEWATER 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 | 67,282,000 | 44,789,000 | 43,119,000 | 42,283,000 |
| Total loans | 49,046,000 | 28,993,000 | 27,559,000 | 28,037,000 |
| Allowance for loan losses | 399,000 | 429,000 | 526,000 | 530,000 |
| Securities available for sale | 12,527,000 | 11,449,000 | 10,992,000 | 10,441,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,100,000 | 35,238,000 | 35,351,000 | 34,591,000 |
| Interest-bearing deposits | 38,251,000 | 27,947,000 | 27,821,000 | 27,798,000 |
| Noninterest-bearing deposits | 7,849,000 | 7,291,000 | 7,530,000 | 6,793,000 |
| Equity capital | 7,591,000 | 7,521,000 | 7,534,000 | 7,537,000 |
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 | 589,000 | 1,153,000 | 1,708,000 | 2,197,000 |
| Interest expense | 61,000 | 118,000 | 162,000 | 206,000 |
| Net interest income | 528,000 | 1,035,000 | 1,546,000 | 1,991,000 |
| Noninterest income | 1,592,000 | 2,990,000 | 3,048,000 | 3,115,000 |
| Noninterest expense | 2,059,000 | 3,841,000 | 4,398,000 | 4,860,000 |
| Provision for loan losses | 30,000 | 60,000 | 140,000 | 140,000 |
| Pretax income | 31,000 | 124,000 | 56,000 | 106,000 |
| Income tax | 6,000 | 36,000 | 30,000 | 19,000 |
| Net income | 25,000 | 88,000 | 26,000 | 87,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,497,000 | 7,560,000 | 7,498,000 | 7,559,000 |
| Total capital | 7,896,000 | 7,868,000 | 7,799,000 | 7,854,000 |
| Risk-weighted assets | 36,267,000 | 24,558,000 | 23,932,000 | 23,416,000 |