Call reports 2011
GIFFORD STATE BANK, THE — 2011
What GIFFORD STATE BANK, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 113,897,000 | 114,445,000 | 114,240,000 | 114,675,000 |
| Total loans | 67,970,000 | 71,808,000 | 77,183,000 | 78,728,000 |
| Allowance for loan losses | 615,000 | 612,000 | 625,000 | 803,000 |
| Securities available for sale | 7,534,000 | 8,170,000 | 12,363,000 | 12,371,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,255,000 | 104,712,000 | 104,164,000 | 103,640,000 |
| Interest-bearing deposits | 91,715,000 | 91,566,000 | 90,543,000 | 90,331,000 |
| Noninterest-bearing deposits | 12,540,000 | 13,146,000 | 13,621,000 | 13,309,000 |
| Equity capital | 8,774,000 | 8,988,000 | 9,179,000 | 10,247,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,131,000 | 2,309,000 | 3,517,000 | 4,777,000 |
| Interest expense | 286,000 | 548,000 | 799,000 | 1,044,000 |
| Net interest income | 845,000 | 1,761,000 | 2,718,000 | 3,733,000 |
| Noninterest income | 80,000 | 190,000 | 357,000 | 635,000 |
| Noninterest expense | 710,000 | 1,426,000 | 2,187,000 | 2,966,000 |
| Provision for loan losses | 15,000 | 35,000 | 80,000 | 350,000 |
| Pretax income | 200,000 | 490,000 | 808,000 | 1,055,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 200,000 | 490,000 | 808,000 | 1,055,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,775,000 | 8,914,000 | 9,107,000 | 10,204,000 |
| Total capital | 9,390,000 | 9,526,000 | 9,732,000 | 11,007,000 |
| Risk-weighted assets | 82,182,000 | 85,488,000 | 89,154,000 | 90,449,000 |