Call reports 2016
BANK OF GRANDIN — 2016
What BANK OF GRANDIN 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 | 154,844,000 | 154,406,000 | 153,453,000 | 152,646,000 |
| Total loans | 82,122,000 | 82,798,000 | 84,797,000 | 84,866,000 |
| Allowance for loan losses | 1,352,000 | 1,192,000 | 1,245,000 | 1,200,000 |
| Securities available for sale | 3,464,000 | 6,929,000 | 6,334,000 | 5,587,000 |
| Securities held to maturity | 55,985,000 | 51,505,000 | 50,137,000 | 51,374,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,542,000 | 130,574,000 | 129,252,000 | 128,411,000 |
| Interest-bearing deposits | 114,263,000 | 113,769,000 | 112,086,000 | 111,053,000 |
| Noninterest-bearing deposits | 17,279,000 | 16,805,000 | 17,166,000 | 17,358,000 |
| Equity capital | 22,982,000 | 23,411,000 | 23,666,000 | 23,918,000 |
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 | 1,686,000 | 3,392,000 | 5,046,000 | 6,723,000 |
| Interest expense | 244,000 | 487,000 | 729,000 | 966,000 |
| Net interest income | 1,442,000 | 2,905,000 | 4,317,000 | 5,757,000 |
| Noninterest income | 75,000 | 232,000 | 365,000 | 496,000 |
| Noninterest expense | 760,000 | 1,596,000 | 2,516,000 | 3,344,000 |
| Provision for loan losses | 60,000 | 155,000 | 230,000 | 328,000 |
| Pretax income | 697,000 | 1,386,000 | 1,936,000 | 2,581,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 697,000 | 1,386,000 | 1,936,000 | 2,581,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,971,000 | 23,378,000 | 23,646,000 | 24,045,000 |
| Total capital | 24,323,000 | 24,570,000 | 24,891,000 | 25,245,000 |
| Risk-weighted assets | 111,163,000 | 108,789,000 | 106,633,000 | 108,952,000 |