Call reports 2004
GIFFORD STATE BANK, THE — 2004
What GIFFORD STATE BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 62,329,000 | 61,797,000 | 62,534,000 | 64,031,000 |
| Total loans | 38,258,000 | 40,028,000 | 41,734,000 | 45,384,000 |
| Allowance for loan losses | 477,000 | 428,000 | 564,000 | 543,000 |
| Securities available for sale | 17,200,000 | 17,207,000 | 16,106,000 | 15,370,000 |
| Securities held to maturity | 367,000 | 350,000 | 325,000 | 254,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,062,000 | 54,817,000 | 54,793,000 | 54,840,000 |
| Interest-bearing deposits | 49,478,000 | 49,014,000 | 48,954,000 | 48,737,000 |
| Noninterest-bearing deposits | 5,584,000 | 5,803,000 | 5,839,000 | 6,103,000 |
| Equity capital | 6,456,000 | 6,215,000 | 6,760,000 | 6,875,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 795,000 | 1,612,000 | 2,446,000 | 3,306,000 |
| Interest expense | 260,000 | 515,000 | 767,000 | 1,025,000 |
| Net interest income | 535,000 | 1,097,000 | 1,679,000 | 2,281,000 |
| Noninterest income | 58,000 | 120,000 | 221,000 | 371,000 |
| Noninterest expense | 366,000 | 747,000 | 1,113,000 | 1,657,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 212,000 | 440,000 | 742,000 | 935,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 212,000 | 440,000 | 742,000 | 935,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,199,000 | 6,427,000 | 6,669,000 | 6,862,000 |
| Total capital | 6,676,000 | 6,855,000 | 7,233,000 | 7,405,000 |
| Risk-weighted assets | 40,092,000 | 41,487,000 | 44,952,000 | 48,146,000 |
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