Call reports 2016
GRUVER STATE BANK — 2016
What GRUVER STATE BANK 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 | 69,968,000 | 67,273,000 | 67,120,000 | 68,300,000 |
| Total loans | 37,770,000 | 38,408,000 | 39,705,000 | 38,995,000 |
| Allowance for loan losses | 504,000 | 504,000 | 504,000 | 504,000 |
| Securities available for sale | 24,328,000 | 21,212,000 | 20,131,000 | 16,977,000 |
| Securities held to maturity | 434,000 | 434,000 | 433,000 | 432,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,255,000 | 50,345,000 | 50,149,000 | 53,958,000 |
| Interest-bearing deposits | 39,982,000 | 38,142,000 | 36,874,000 | 40,769,000 |
| Noninterest-bearing deposits | 13,273,000 | 12,203,000 | 13,275,000 | 13,189,000 |
| Equity capital | 7,658,000 | 7,790,000 | 7,835,000 | 7,285,000 |
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 | 630,000 | 1,218,000 | 1,819,000 | 2,404,000 |
| Interest expense | 62,000 | 124,000 | 186,000 | 251,000 |
| Net interest income | 568,000 | 1,094,000 | 1,633,000 | 2,153,000 |
| Noninterest income | 67,000 | 127,000 | 190,000 | 252,000 |
| Noninterest expense | 361,000 | 728,000 | 1,097,000 | 1,503,000 |
| Provision for loan losses | 155,000 | 155,000 | 155,000 | 155,000 |
| Pretax income | 119,000 | 339,000 | 572,000 | 670,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 119,000 | 339,000 | 572,000 | 670,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,578,000 | 7,619,000 | 7,672,000 | 7,590,000 |
| Total capital | 8,082,000 | 8,123,000 | 8,176,000 | 8,094,000 |
| Risk-weighted assets | 42,904,000 | 42,841,000 | 43,418,000 | 45,501,000 |