Call reports 2007
GIFFORD STATE BANK, THE — 2007
What GIFFORD STATE BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 70,320,000 | 69,713,000 | 73,625,000 | 73,394,000 |
| Total loans | 54,316,000 | 54,290,000 | 56,780,000 | 57,555,000 |
| Allowance for loan losses | 562,000 | 550,000 | 542,000 | 545,000 |
| Securities available for sale | 8,404,000 | 8,236,000 | 8,224,000 | 7,203,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,644,000 | 61,869,000 | 63,498,000 | 63,874,000 |
| Interest-bearing deposits | 52,431,000 | 52,606,000 | 51,591,000 | 51,200,000 |
| Noninterest-bearing deposits | 10,213,000 | 9,263,000 | 11,907,000 | 12,674,000 |
| Equity capital | 6,637,000 | 6,807,000 | 7,125,000 | 7,583,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,135,000 | 2,279,000 | 3,468,000 | 4,681,000 |
| Interest expense | 445,000 | 900,000 | 1,411,000 | 1,921,000 |
| Net interest income | 690,000 | 1,379,000 | 2,057,000 | 2,760,000 |
| Noninterest income | 111,000 | 253,000 | 331,000 | 719,000 |
| Noninterest expense | 535,000 | 1,133,000 | 1,679,000 | 2,384,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 266,000 | 499,000 | 709,000 | 1,095,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 266,000 | 499,000 | 709,000 | 1,095,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,804,000 | 7,037,000 | 7,247,000 | 7,633,000 |
| Total capital | 7,366,000 | 7,587,000 | 7,789,000 | 8,178,000 |
| Risk-weighted assets | 55,328,000 | 58,195,000 | 61,316,000 | 63,143,000 |
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