Call reports 2002
GIFFORD STATE BANK, THE — 2002
What GIFFORD STATE BANK, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 58,938,000 | 59,554,000 | 61,062,000 | 59,998,000 |
| Total loans | 36,898,000 | 37,470,000 | 40,077,000 | 39,990,000 |
| Allowance for loan losses | 560,000 | 504,000 | 511,000 | 456,000 |
| Securities available for sale | 14,197,000 | 15,883,000 | 16,732,000 | 16,745,000 |
| Securities held to maturity | 1,583,000 | 1,295,000 | 646,000 | 562,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,317,000 | 52,636,000 | 53,481,000 | 52,058,000 |
| Interest-bearing deposits | 46,858,000 | 47,806,000 | 48,570,000 | 47,200,000 |
| Noninterest-bearing deposits | 5,459,000 | 4,830,000 | 4,911,000 | 4,858,000 |
| Equity capital | 5,862,000 | 6,136,000 | 6,438,000 | 6,558,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 954,000 | 1,869,000 | 2,815,000 | 3,744,000 |
| Interest expense | 439,000 | 846,000 | 1,249,000 | 1,634,000 |
| Net interest income | 515,000 | 1,023,000 | 1,566,000 | 2,110,000 |
| Noninterest income | 39,000 | 75,000 | 134,000 | 171,000 |
| Noninterest expense | 323,000 | 685,000 | 1,041,000 | 1,420,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 217,000 | 387,000 | 630,000 | 817,000 |
| Income tax | 2,000 | 4,000 | 6,000 | 9,000 |
| Net income | 215,000 | 383,000 | 624,000 | 808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,847,000 | 5,867,000 | 6,081,000 | 6,233,000 |
| Total capital | 6,332,000 | 6,354,000 | 6,592,000 | 6,689,000 |
| Risk-weighted assets | 38,679,000 | 39,369,000 | 41,551,000 | 41,524,000 |
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