Call reports 2016
GRAND MARSH STATE BANK — 2016
What GRAND MARSH STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 144,058,000 | 134,077,000 | 126,602,000 | 128,461,000 |
| Total loans | 56,237,000 | 58,886,000 | 57,585,000 | 57,771,000 |
| Allowance for loan losses | 629,000 | 644,000 | 610,000 | 614,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 71,755,000 | 61,263,000 | 57,601,000 | 50,947,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,118,000 | 114,848,000 | 106,724,000 | 108,378,000 |
| Interest-bearing deposits | 102,451,000 | 93,529,000 | 83,785,000 | 84,143,000 |
| Noninterest-bearing deposits | 22,667,000 | 21,319,000 | 22,938,000 | 24,235,000 |
| Equity capital | 18,825,000 | 19,081,000 | 19,713,000 | 19,963,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 928,000 | 1,801,000 | 2,710,000 | 3,619,000 |
| Interest expense | 103,000 | 195,000 | 278,000 | 353,000 |
| Net interest income | 825,000 | 1,606,000 | 2,432,000 | 3,266,000 |
| Noninterest income | 64,000 | 152,000 | 301,000 | 374,000 |
| Noninterest expense | 583,000 | 1,056,000 | 1,508,000 | 2,047,000 |
| Provision for loan losses | 36,000 | 52,000 | 58,000 | 62,000 |
| Pretax income | 270,000 | 650,000 | 1,167,000 | 1,531,000 |
| Income tax | 86,000 | 211,000 | 329,000 | 443,000 |
| Net income | 184,000 | 439,000 | 838,000 | 1,088,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,825,000 | 19,081,000 | 19,713,000 | 19,963,000 |
| Total capital | 19,454,000 | 19,725,000 | 20,323,000 | 20,577,000 |
| Risk-weighted assets | 64,011,000 | 61,348,000 | 61,938,000 | 59,429,000 |