Call reports 2015
GARRETT STATE BANK, THE — 2015
What GARRETT STATE BANK, THE 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 | 207,942,000 | 213,704,000 | 207,931,000 | 212,171,000 |
| Total loans | 152,146,000 | 156,466,000 | 156,489,000 | 158,284,000 |
| Allowance for loan losses | 1,756,000 | 1,794,000 | 1,776,000 | 1,791,000 |
| Securities available for sale | 38,704,000 | 36,459,000 | 34,659,000 | 33,016,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,634,000 | 174,601,000 | 167,888,000 | 173,030,000 |
| Interest-bearing deposits | 143,007,000 | 148,129,000 | 140,073,000 | 144,919,000 |
| Noninterest-bearing deposits | 26,627,000 | 26,472,000 | 27,815,000 | 28,111,000 |
| Equity capital | 19,800,000 | 19,771,000 | 20,295,000 | 20,424,000 |
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 | 2,123,000 | 4,288,000 | 6,481,000 | 8,691,000 |
| Interest expense | 313,000 | 629,000 | 940,000 | 1,250,000 |
| Net interest income | 1,810,000 | 3,659,000 | 5,541,000 | 7,441,000 |
| Noninterest income | 132,000 | 272,000 | 409,000 | 568,000 |
| Noninterest expense | 1,030,000 | 2,079,000 | 3,163,000 | 4,512,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 852,000 | 1,732,000 | 2,607,000 | 3,257,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 852,000 | 1,732,000 | 2,607,000 | 3,257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,261,000 | 19,659,000 | 20,002,000 | 20,143,000 |
| Total capital | 20,687,000 | 21,115,000 | 21,466,000 | 21,628,000 |
| Risk-weighted assets | 113,826,000 | 116,206,000 | 116,822,000 | 118,519,000 |