Call reports 2010
GIFFORD STATE BANK, THE — 2010
What GIFFORD STATE BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 99,061,000 | 100,867,000 | 104,857,000 | 104,362,000 |
| Total loans | 68,004,000 | 69,175,000 | 68,949,000 | 76,461,000 |
| Allowance for loan losses | 590,000 | 559,000 | 563,000 | 601,000 |
| Securities available for sale | 7,035,000 | 7,455,000 | 6,973,000 | 7,994,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,131,000 | 91,669,000 | 94,903,000 | 94,866,000 |
| Interest-bearing deposits | 79,044,000 | 80,805,000 | 83,507,000 | 84,696,000 |
| Noninterest-bearing deposits | 11,087,000 | 10,864,000 | 11,396,000 | 10,170,000 |
| Equity capital | 8,216,000 | 8,351,000 | 8,519,000 | 8,721,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,117,000 | 2,274,000 | 3,480,000 | 4,687,000 |
| Interest expense | 357,000 | 694,000 | 1,022,000 | 1,333,000 |
| Net interest income | 760,000 | 1,580,000 | 2,458,000 | 3,354,000 |
| Noninterest income | 95,000 | 183,000 | 295,000 | 620,000 |
| Noninterest expense | 662,000 | 1,334,000 | 2,023,000 | 2,793,000 |
| Provision for loan losses | 15,000 | 136,000 | 151,000 | 195,000 |
| Pretax income | 178,000 | 293,000 | 587,000 | 994,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 178,000 | 293,000 | 587,000 | 994,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,132,000 | 8,248,000 | 8,417,000 | 8,699,000 |
| Total capital | 8,722,000 | 8,809,000 | 8,980,000 | 9,300,000 |
| Risk-weighted assets | 79,527,000 | 80,932,000 | 83,622,000 | 87,572,000 |