Call reports 2022
GRAND RIVERS COMMUNITY BANK — 2022
What GRAND RIVERS COMMUNITY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 14,774,000 | 14,423,000 | 17,503,000 | 21,136,000 |
| Total loans | 9,139,000 | 9,700,000 | 11,380,000 | 11,504,000 |
| Allowance for loan losses | 386,000 | 369,000 | 395,000 | 395,000 |
| Securities available for sale | 790,000 | 787,000 | 780,000 | 593,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,647,000 | 12,446,000 | 15,252,000 | 18,772,000 |
| Interest-bearing deposits | 8,458,000 | 8,386,000 | 8,482,000 | 8,744,000 |
| Noninterest-bearing deposits | 4,189,000 | 4,060,000 | 6,770,000 | 10,028,000 |
| Equity capital | 1,632,000 | 1,488,000 | 1,772,000 | 1,872,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 156,000 | 298,000 | 488,000 | 700,000 |
| Interest expense | 8,000 | 17,000 | 32,000 | 49,000 |
| Net interest income | 148,000 | 281,000 | 456,000 | 651,000 |
| Noninterest income | 31,000 | 73,000 | 115,000 | 150,000 |
| Noninterest expense | 324,000 | 643,000 | 993,000 | 1,326,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -145,000 | -289,000 | -422,000 | -525,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -145,000 | -289,000 | -422,000 | -525,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,642,000 | 1,501,000 | 1,790,000 | 1,888,000 |
| Total capital | 1,777,000 | 1,646,000 | 1,955,000 | 2,057,000 |
| Risk-weighted assets | 10,570,000 | 11,398,000 | 13,003,000 | 13,259,000 |
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