Call reports 2005
GIFFORD STATE BANK, THE — 2005
What GIFFORD STATE BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 64,576,000 | 63,925,000 | 66,890,000 | 67,907,000 |
| Total loans | 44,874,000 | 47,789,000 | 52,254,000 | 53,262,000 |
| Allowance for loan losses | 542,000 | 541,000 | 524,000 | 610,000 |
| Securities available for sale | 12,761,000 | 11,560,000 | 9,190,000 | 8,925,000 |
| Securities held to maturity | 66,000 | 65,000 | 65,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,288,000 | 56,486,000 | 58,040,000 | 60,056,000 |
| Interest-bearing deposits | 50,535,000 | 50,019,000 | 50,779,000 | 52,178,000 |
| Noninterest-bearing deposits | 6,753,000 | 6,467,000 | 7,261,000 | 7,878,000 |
| Equity capital | 6,455,000 | 6,639,000 | 6,851,000 | 6,888,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 861,000 | 1,766,000 | 2,726,000 | 3,731,000 |
| Interest expense | 260,000 | 533,000 | 829,000 | 1,154,000 |
| Net interest income | 601,000 | 1,233,000 | 1,897,000 | 2,577,000 |
| Noninterest income | 66,000 | 147,000 | 213,000 | 394,000 |
| Noninterest expense | 390,000 | 816,000 | 1,262,000 | 1,866,000 |
| Provision for loan losses | 3,000 | 6,000 | 17,000 | 132,000 |
| Pretax income | 274,000 | 559,000 | 828,000 | 969,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 274,000 | 559,000 | 828,000 | 969,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,650,000 | 6,735,000 | 7,004,000 | 7,145,000 |
| Total capital | 7,192,000 | 7,276,000 | 7,528,000 | 7,755,000 |
| Risk-weighted assets | 47,982,000 | 50,296,000 | 54,154,000 | 55,876,000 |
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