Call reports 2015
BANK OF GRANDIN — 2015
What BANK OF GRANDIN 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 | 159,501,000 | 155,930,000 | 154,260,000 | 155,106,000 |
| Total loans | 77,362,000 | 79,342,000 | 81,732,000 | 81,909,000 |
| Allowance for loan losses | 1,359,000 | 1,317,000 | 1,296,000 | 1,300,000 |
| Securities available for sale | 2,741,000 | 2,645,000 | 2,576,000 | 1,517,000 |
| Securities held to maturity | 69,832,000 | 68,072,000 | 65,808,000 | 62,604,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,530,000 | 130,840,000 | 129,025,000 | 131,598,000 |
| Interest-bearing deposits | 117,568,000 | 113,795,000 | 112,885,000 | 114,779,000 |
| Noninterest-bearing deposits | 17,962,000 | 17,045,000 | 16,140,000 | 16,819,000 |
| Equity capital | 23,535,000 | 24,335,000 | 24,725,000 | 23,155,000 |
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 | 1,666,000 | 3,380,000 | 5,132,000 | 6,841,000 |
| Interest expense | 268,000 | 528,000 | 776,000 | 1,022,000 |
| Net interest income | 1,398,000 | 2,852,000 | 4,356,000 | 5,819,000 |
| Noninterest income | 109,000 | 289,000 | 432,000 | 565,000 |
| Noninterest expense | 1,099,000 | 1,581,000 | 2,469,000 | 3,217,000 |
| Provision for loan losses | 90,000 | 135,000 | 190,000 | 471,000 |
| Pretax income | 318,000 | 1,425,000 | 2,129,000 | 2,696,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 318,000 | 1,425,000 | 2,129,000 | 2,696,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,759,000 | 24,351,000 | 24,722,000 | 23,159,000 |
| Total capital | 24,095,000 | 25,663,000 | 26,018,000 | 24,459,000 |
| Risk-weighted assets | 106,934,000 | 104,967,000 | 105,383,000 | 106,638,000 |