Call reports 2001
GIFFORD STATE BANK, THE — 2001
What GIFFORD STATE BANK, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 58,578,000 | 58,653,000 | 58,696,000 | 60,742,000 |
| Total loans | 35,696,000 | 36,560,000 | 38,432,000 | 38,302,000 |
| Allowance for loan losses | 681,000 | 508,000 | 540,000 | 544,000 |
| Securities available for sale | 9,038,000 | 9,425,000 | 9,747,000 | 10,836,000 |
| Securities held to maturity | 2,386,000 | 2,247,000 | 2,208,000 | 1,950,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,080,000 | 52,191,000 | 52,064,000 | 54,155,000 |
| Interest-bearing deposits | 47,761,000 | 48,435,000 | 48,184,000 | 49,183,000 |
| Noninterest-bearing deposits | 4,319,000 | 3,756,000 | 3,880,000 | 4,972,000 |
| Equity capital | 5,698,000 | 5,649,000 | 5,827,000 | 5,787,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,077,000 | 2,176,000 | 3,214,000 | 4,231,000 |
| Interest expense | 607,000 | 1,210,000 | 1,793,000 | 2,317,000 |
| Net interest income | 470,000 | 966,000 | 1,421,000 | 1,914,000 |
| Noninterest income | 48,000 | 93,000 | 143,000 | 215,000 |
| Noninterest expense | 318,000 | 621,000 | 912,000 | 1,267,000 |
| Provision for loan losses | 60,000 | 90,000 | 120,000 | 140,000 |
| Pretax income | 140,000 | 348,000 | 543,000 | 733,000 |
| Income tax | 1,000 | 4,000 | 4,000 | 7,000 |
| Net income | 139,000 | 344,000 | 539,000 | 726,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,566,000 | 5,513,000 | 5,586,000 | 5,633,000 |
| Total capital | 6,042,000 | 5,996,000 | 6,086,000 | 6,136,000 |
| Risk-weighted assets | 37,836,000 | 38,538,000 | 39,876,000 | 40,163,000 |
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