Call reports 2025
GRAND RIVERS COMMUNITY BANK — 2025
What GRAND RIVERS COMMUNITY 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 | 18,236,000 | 17,557,000 | 17,477,000 | 16,555,000 |
| Total loans | 12,752,000 | 11,973,000 | 12,714,000 | 12,113,000 |
| Allowance for loan losses | 550,000 | 550,000 | 550,000 | 550,000 |
| Securities available for sale | 1,214,000 | 1,207,000 | 1,200,000 | 1,140,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,148,000 | 15,591,000 | 15,548,000 | 14,763,000 |
| Interest-bearing deposits | 12,638,000 | 11,928,000 | 12,334,000 | 11,381,000 |
| Noninterest-bearing deposits | 3,510,000 | 3,663,000 | 3,214,000 | 3,382,000 |
| Equity capital | 1,697,000 | 1,581,000 | 1,565,000 | 1,458,000 |
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 | 247,000 | 487,000 | 698,000 | 921,000 |
| Interest expense | 61,000 | 120,000 | 172,000 | 218,000 |
| Net interest income | 186,000 | 367,000 | 526,000 | 703,000 |
| Noninterest income | 26,000 | 64,000 | 105,000 | 136,000 |
| Noninterest expense | 327,000 | 664,000 | 971,000 | 1,287,000 |
| Provision for loan losses | -55,000 | -55,000 | -55,000 | -55,000 |
| Pretax income | -60,000 | -178,000 | -285,000 | -393,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -60,000 | -178,000 | -285,000 | -393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,704,000 | 1,586,000 | 1,569,000 | 1,461,000 |
| Total capital | 1,884,000 | 1,769,000 | 1,746,000 | 1,645,000 |
| Risk-weighted assets | 14,053,000 | 14,239,000 | 13,787,000 | 14,386,000 |