Call reports 2006
GIFFORD STATE BANK, THE — 2006
What GIFFORD STATE BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 66,911,000 | 68,516,000 | 71,503,000 | 72,287,000 |
| Total loans | 51,674,000 | 51,800,000 | 55,104,000 | 55,920,000 |
| Allowance for loan losses | 627,000 | 631,000 | 603,000 | 567,000 |
| Securities available for sale | 8,766,000 | 8,535,000 | 8,532,000 | 8,470,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,655,000 | 60,754,000 | 61,214,000 | 60,156,000 |
| Interest-bearing deposits | 50,081,000 | 53,249,000 | 53,935,000 | 52,082,000 |
| Noninterest-bearing deposits | 8,574,000 | 7,505,000 | 7,279,000 | 8,074,000 |
| Equity capital | 6,446,000 | 6,420,000 | 6,745,000 | 7,069,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 983,000 | 2,048,000 | 3,154,000 | 4,304,000 |
| Interest expense | 326,000 | 725,000 | 1,162,000 | 1,622,000 |
| Net interest income | 657,000 | 1,323,000 | 1,992,000 | 2,682,000 |
| Noninterest income | 72,000 | 150,000 | 218,000 | 501,000 |
| Noninterest expense | 454,000 | 969,000 | 1,514,000 | 2,190,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 260,000 | 489,000 | 681,000 | 978,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 260,000 | 489,000 | 681,000 | 978,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,726,000 | 6,804,000 | 6,996,000 | 7,268,000 |
| Total capital | 7,353,000 | 7,435,000 | 7,599,000 | 7,834,000 |
| Risk-weighted assets | 54,572,000 | 55,808,000 | 59,246,000 | 57,507,000 |
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