Call reports 2013
GIFFORD STATE BANK, THE — 2013
What GIFFORD STATE BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 138,960,000 | 135,844,000 | 132,072,000 | 139,290,000 |
| Total loans | 83,089,000 | 86,695,000 | 93,163,000 | 96,628,000 |
| Allowance for loan losses | 1,090,000 | 1,120,000 | 1,119,000 | 1,173,000 |
| Securities available for sale | 11,287,000 | 10,231,000 | 9,433,000 | 8,906,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,077,000 | 123,843,000 | 119,772,000 | 126,503,000 |
| Interest-bearing deposits | 109,040,000 | 107,133,000 | 103,223,000 | 107,788,000 |
| Noninterest-bearing deposits | 18,037,000 | 16,710,000 | 16,549,000 | 18,715,000 |
| Equity capital | 11,345,000 | 11,434,000 | 11,693,000 | 12,056,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,227,000 | 2,468,000 | 3,772,000 | 5,131,000 |
| Interest expense | 178,000 | 348,000 | 511,000 | 672,000 |
| Net interest income | 1,049,000 | 2,120,000 | 3,261,000 | 4,459,000 |
| Noninterest income | 133,000 | 254,000 | 359,000 | 572,000 |
| Noninterest expense | 782,000 | 1,572,000 | 2,371,000 | 3,205,000 |
| Provision for loan losses | 60,000 | 120,000 | 160,000 | 225,000 |
| Pretax income | 340,000 | 682,000 | 1,089,000 | 1,601,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 340,000 | 682,000 | 1,089,000 | 1,601,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,271,000 | 11,493,000 | 11,720,000 | 12,051,000 |
| Total capital | 12,366,000 | 12,613,000 | 12,839,000 | 13,229,000 |
| Risk-weighted assets | 98,752,000 | 90,858,000 | 97,761,000 | 104,975,000 |