Call reports 2025
GRAND RIVER BANK — 2025
What GRAND RIVER BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 516,223,000 | 511,419,000 | 522,310,000 | 516,324,000 |
| Total loans | 466,197,000 | 456,908,000 | 444,720,000 | 446,394,000 |
| Allowance for loan losses | 5,083,000 | 5,076,000 | 5,074,000 | 5,002,000 |
| Securities available for sale | 12,484,000 | 12,331,000 | 17,142,000 | 16,845,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 436,653,000 | 431,027,000 | 451,735,000 | 446,427,000 |
| Interest-bearing deposits | 345,113,000 | 339,296,000 | 368,733,000 | 358,398,000 |
| Noninterest-bearing deposits | 91,540,000 | 91,731,000 | 83,002,000 | 88,029,000 |
| Equity capital | 48,982,000 | 49,482,000 | 50,150,000 | 49,448,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 6,712,000 | 13,363,000 | 20,096,000 | 26,853,000 |
| Interest expense | 3,290,000 | 6,558,000 | 9,790,000 | 12,933,000 |
| Net interest income | 3,422,000 | 6,805,000 | 10,306,000 | 13,920,000 |
| Noninterest income | 129,000 | 310,000 | 441,000 | 619,000 |
| Noninterest expense | 3,214,000 | 6,309,000 | 9,284,000 | 12,335,000 |
| Provision for loan losses | -53,000 | -59,000 | -58,000 | -129,000 |
| Pretax income | 470,000 | 973,000 | 1,664,000 | 2,477,000 |
| Income tax | 99,000 | 204,000 | 350,000 | 521,000 |
| Net income | 368,000 | 758,000 | 1,306,000 | 1,947,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,234,000 | 49,721,000 | 50,389,000 | 49,685,000 |
| Total capital | 54,440,000 | 54,893,000 | 55,524,000 | 54,747,000 |
| Risk-weighted assets | 432,983,000 | 425,970,000 | 412,616,000 | 414,590,000 |
Machine access — free, no API key
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