Call reports 2009
GIFFORD STATE BANK, THE — 2009
What GIFFORD STATE BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 84,006,000 | 86,922,000 | 90,097,000 | 93,696,000 |
| Total loans | 64,830,000 | 64,529,000 | 67,409,000 | 70,226,000 |
| Allowance for loan losses | 551,000 | 532,000 | 543,000 | 574,000 |
| Securities available for sale | 7,051,000 | 7,160,000 | 7,832,000 | 6,207,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,337,000 | 78,323,000 | 81,415,000 | 84,423,000 |
| Interest-bearing deposits | 65,946,000 | 70,016,000 | 73,009,000 | 75,208,000 |
| Noninterest-bearing deposits | 9,391,000 | 8,307,000 | 8,406,000 | 9,215,000 |
| Equity capital | 7,321,000 | 7,484,000 | 7,689,000 | 8,058,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,133,000 | 2,254,000 | 3,397,000 | 4,590,000 |
| Interest expense | 425,000 | 844,000 | 1,254,000 | 1,645,000 |
| Net interest income | 708,000 | 1,410,000 | 2,143,000 | 2,945,000 |
| Noninterest income | 101,000 | 206,000 | 307,000 | 655,000 |
| Noninterest expense | 621,000 | 1,212,000 | 1,884,000 | 2,563,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 110,000 |
| Pretax income | 188,000 | 406,000 | 558,000 | 929,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 188,000 | 406,000 | 558,000 | 929,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,215,000 | 7,433,000 | 7,585,000 | 7,956,000 |
| Total capital | 7,766,000 | 7,965,000 | 8,128,000 | 8,530,000 |
| Risk-weighted assets | 73,736,000 | 74,278,000 | 77,358,000 | 73,033,000 |