Call reports 2014
GRAND RIVER BANK — 2014
What GRAND RIVER BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 118,867,000 | 119,690,000 | 124,763,000 | 129,834,000 |
| Total loans | 103,018,000 | 108,276,000 | 113,727,000 | 114,312,000 |
| Allowance for loan losses | 1,284,000 | 1,375,000 | 1,406,000 | 1,424,000 |
| Securities available for sale | 5,736,000 | 5,540,000 | 5,315,000 | 6,060,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,410,000 | 107,322,000 | 109,765,000 | 112,677,000 |
| Interest-bearing deposits | 91,761,000 | 90,422,000 | 91,797,000 | 92,625,000 |
| Noninterest-bearing deposits | 15,649,000 | 16,900,000 | 17,968,000 | 20,052,000 |
| Equity capital | 11,074,000 | 12,030,000 | 12,136,000 | 14,332,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,143,000 | 2,339,000 | 3,611,000 | 4,911,000 |
| Interest expense | 213,000 | 414,000 | 619,000 | 826,000 |
| Net interest income | 930,000 | 1,925,000 | 2,992,000 | 4,085,000 |
| Noninterest income | 110,000 | 243,000 | 442,000 | 649,000 |
| Noninterest expense | 1,064,000 | 2,219,000 | 3,347,000 | 4,469,000 |
| Provision for loan losses | 157,000 | 187,000 | 218,000 | 236,000 |
| Pretax income | -180,000 | -237,000 | -130,000 | 51,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -180,000 | -237,000 | -130,000 | 51,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,115,000 | 12,059,000 | 12,166,000 | 14,347,000 |
| Total capital | 12,376,000 | 13,345,000 | 13,551,000 | 15,745,000 |
| Risk-weighted assets | 100,871,000 | 102,802,000 | 110,773,000 | 111,813,000 |
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