Call reports 2019
GRAND RIVER BANK — 2019
What GRAND RIVER BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 275,943,000 | 294,522,000 | 320,669,000 | 321,158,000 |
| Total loans | 253,668,000 | 270,289,000 | 284,016,000 | 293,916,000 |
| Allowance for loan losses | 2,743,000 | 2,926,000 | 3,020,000 | 3,175,000 |
| Securities available for sale | 6,645,000 | 6,364,000 | 5,994,000 | 5,632,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,278,000 | 255,159,000 | 275,760,000 | 275,694,000 |
| Interest-bearing deposits | 193,205,000 | 208,082,000 | 224,247,000 | 225,810,000 |
| Noninterest-bearing deposits | 42,073,000 | 47,077,000 | 51,513,000 | 49,884,000 |
| Equity capital | 27,610,000 | 27,989,000 | 33,547,000 | 34,069,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,954,000 | 6,186,000 | 9,652,000 | 13,189,000 |
| Interest expense | 927,000 | 1,972,000 | 3,128,000 | 4,341,000 |
| Net interest income | 2,027,000 | 4,214,000 | 6,524,000 | 8,848,000 |
| Noninterest income | 288,000 | 562,000 | 1,131,000 | 1,789,000 |
| Noninterest expense | 1,706,000 | 3,574,000 | 5,665,000 | 7,837,000 |
| Provision for loan losses | 102,000 | 287,000 | 381,000 | 536,000 |
| Pretax income | 507,000 | 915,000 | 1,609,000 | 2,264,000 |
| Income tax | 106,000 | 197,000 | 346,000 | 487,000 |
| Net income | 401,000 | 718,000 | 1,263,000 | 1,777,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,613,000 | 27,929,000 | 33,474,000 | 33,988,000 |
| Total capital | 30,356,000 | 30,855,000 | 36,494,000 | 37,163,000 |
| Risk-weighted assets | 257,350,000 | 269,772,000 | 285,824,000 | 301,401,000 |
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