Call reports 2015
GUNNISON SAVINGS AND LOAN ASSOCIATION — 2015
What GUNNISON SAVINGS AND LOAN ASSOCIATION 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 | 105,586,000 | 102,863,000 | 104,961,000 | 104,495,000 |
| Total loans | 58,575,000 | 57,447,000 | 55,066,000 | 53,456,000 |
| Allowance for loan losses | 461,000 | 476,000 | 491,000 | 494,000 |
| Securities available for sale | 67,000 | 67,000 | 67,000 | 67,000 |
| Securities held to maturity | 1,830,000 | 1,327,000 | 1,573,000 | 2,069,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,988,000 | 91,548,000 | 93,791,000 | 92,980,000 |
| Interest-bearing deposits | 90,166,000 | 86,642,000 | 88,106,000 | 88,485,000 |
| Noninterest-bearing deposits | 3,822,000 | 4,906,000 | 5,685,000 | 4,495,000 |
| Equity capital | 10,341,000 | 10,405,000 | 10,478,000 | 10,842,000 |
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 | 810,000 | 1,604,000 | 2,394,000 | 3,183,000 |
| Interest expense | 208,000 | 396,000 | 569,000 | 734,000 |
| Net interest income | 602,000 | 1,208,000 | 1,825,000 | 2,449,000 |
| Noninterest income | 40,000 | 70,000 | 122,000 | 414,000 |
| Noninterest expense | 544,000 | 1,071,000 | 1,615,000 | 2,111,000 |
| Provision for loan losses | 10,000 | 25,000 | 40,000 | 40,000 |
| Pretax income | 88,000 | 182,000 | 292,000 | 712,000 |
| Income tax | 27,000 | 57,000 | 94,000 | 149,000 |
| Net income | 61,000 | 125,000 | 198,000 | 563,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,203,000 | 10,406,000 | 10,479,000 | 10,844,000 |
| Total capital | 10,664,000 | 10,882,000 | 10,970,000 | 11,338,000 |
| Risk-weighted assets | 43,398,000 | 43,723,000 | 41,176,000 | 39,587,000 |