Call reports 2003
GIFFORD STATE BANK, THE — 2003
What GIFFORD STATE BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 61,775,000 | 61,678,000 | 60,978,000 | 60,226,000 |
| Total loans | 36,628,000 | 38,639,000 | 40,620,000 | 40,452,000 |
| Allowance for loan losses | 471,000 | 470,000 | 486,000 | 461,000 |
| Securities available for sale | 17,137,000 | 15,693,000 | 13,009,000 | 13,415,000 |
| Securities held to maturity | 532,000 | 489,000 | 458,000 | 387,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,748,000 | 54,536,000 | 53,794,000 | 52,716,000 |
| Interest-bearing deposits | 49,493,000 | 49,256,000 | 47,607,000 | 47,010,000 |
| Noninterest-bearing deposits | 5,255,000 | 5,280,000 | 6,187,000 | 5,706,000 |
| Equity capital | 6,254,000 | 6,429,000 | 6,453,000 | 6,683,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 854,000 | 1,688,000 | 2,483,000 | 3,307,000 |
| Interest expense | 350,000 | 671,000 | 974,000 | 1,251,000 |
| Net interest income | 504,000 | 1,017,000 | 1,509,000 | 2,056,000 |
| Noninterest income | 43,000 | 86,000 | 180,000 | 288,000 |
| Noninterest expense | 333,000 | 667,000 | 1,013,000 | 1,473,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 199,000 | 406,000 | 631,000 | 811,000 |
| Income tax | 2,000 | 6,000 | 0 | 0 |
| Net income | 197,000 | 400,000 | 631,000 | 811,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,970,000 | 6,145,000 | 6,306,000 | 6,488,000 |
| Total capital | 6,441,000 | 6,614,000 | 6,792,000 | 6,949,000 |
| Risk-weighted assets | 38,982,000 | 40,764,000 | 41,998,000 | 41,429,000 |
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