Call reports 2014
GIFFORD STATE BANK, THE — 2014
What GIFFORD STATE BANK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 154,848,000 | 147,615,000 | 142,631,000 | 141,020,000 |
| Total loans | 90,633,000 | 97,118,000 | 104,469,000 | 113,259,000 |
| Allowance for loan losses | 1,195,000 | 1,235,000 | 1,209,000 | 1,314,000 |
| Securities available for sale | 8,977,000 | 8,546,000 | 8,900,000 | 8,970,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,025,000 | 134,457,000 | 129,376,000 | 127,284,000 |
| Interest-bearing deposits | 116,108,000 | 112,077,000 | 108,981,000 | 105,482,000 |
| Noninterest-bearing deposits | 25,917,000 | 22,380,000 | 20,395,000 | 21,802,000 |
| Equity capital | 12,227,000 | 12,510,000 | 12,704,000 | 13,085,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,294,000 | 2,621,000 | 4,019,000 | 5,566,000 |
| Interest expense | 155,000 | 307,000 | 460,000 | 608,000 |
| Net interest income | 1,139,000 | 2,314,000 | 3,559,000 | 4,958,000 |
| Noninterest income | 103,000 | 200,000 | 299,000 | 608,000 |
| Noninterest expense | 830,000 | 1,689,000 | 2,562,000 | 3,595,000 |
| Provision for loan losses | 60,000 | 105,000 | 160,000 | 320,000 |
| Pretax income | 352,000 | 720,000 | 1,136,000 | 1,651,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 352,000 | 720,000 | 1,136,000 | 1,651,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,227,000 | 12,412,000 | 12,648,000 | 12,983,000 |
| Total capital | 13,414,000 | 13,657,000 | 13,857,000 | 14,302,000 |
| Risk-weighted assets | 95,208,000 | 101,560,000 | 109,105,000 | 117,627,000 |