Call reports 2015
GRUVER STATE BANK — 2015
What GRUVER STATE BANK 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 | 70,916,000 | 68,523,000 | 68,021,000 | 75,047,000 |
| Total loans | 36,565,000 | 36,682,000 | 38,633,000 | 38,289,000 |
| Allowance for loan losses | 319,000 | 319,000 | 334,000 | 349,000 |
| Securities available for sale | 24,435,000 | 22,886,000 | 22,288,000 | 22,256,000 |
| Securities held to maturity | 773,000 | 773,000 | 492,000 | 491,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,124,000 | 55,764,000 | 53,116,000 | 59,447,000 |
| Interest-bearing deposits | 44,565,000 | 42,302,000 | 40,332,000 | 43,926,000 |
| Noninterest-bearing deposits | 13,559,000 | 13,462,000 | 12,784,000 | 15,521,000 |
| Equity capital | 7,556,000 | 7,491,000 | 7,623,000 | 7,555,000 |
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 | 596,000 | 1,194,000 | 1,809,000 | 2,452,000 |
| Interest expense | 60,000 | 116,000 | 176,000 | 237,000 |
| Net interest income | 536,000 | 1,078,000 | 1,633,000 | 2,215,000 |
| Noninterest income | 62,000 | 124,000 | 191,000 | 255,000 |
| Noninterest expense | 347,000 | 704,000 | 1,077,000 | 1,475,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 30,000 |
| Pretax income | 251,000 | 498,000 | 744,000 | 976,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 251,000 | 498,000 | 744,000 | 976,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,454,000 | 7,491,000 | 7,623,000 | 7,640,000 |
| Total capital | 7,773,000 | 7,810,000 | 7,957,000 | 7,989,000 |
| Risk-weighted assets | 42,932,000 | 41,019,000 | 43,076,000 | 44,507,000 |