Call reports 2015
GIFFORD STATE BANK, THE — 2015
What GIFFORD STATE BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 145,050,000 | 151,364,000 | 156,209,000 | 159,229,000 |
| Total loans | 115,499,000 | 121,582,000 | 126,753,000 | 132,895,000 |
| Allowance for loan losses | 1,330,000 | 1,404,000 | 1,481,000 | 1,724,000 |
| Securities available for sale | 8,470,000 | 7,387,000 | 6,855,000 | 6,380,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,643,000 | 126,974,000 | 126,548,000 | 127,804,000 |
| Interest-bearing deposits | 77,166,000 | 76,374,000 | 76,712,000 | 105,600,000 |
| Noninterest-bearing deposits | 53,477,000 | 50,600,000 | 49,836,000 | 22,204,000 |
| Equity capital | 13,363,000 | 13,697,000 | 14,007,000 | 14,150,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,454,000 | 2,996,000 | 4,634,000 | 6,349,000 |
| Interest expense | 140,000 | 283,000 | 434,000 | 595,000 |
| Net interest income | 1,314,000 | 2,713,000 | 4,200,000 | 5,754,000 |
| Noninterest income | 99,000 | 219,000 | 332,000 | 625,000 |
| Noninterest expense | 878,000 | 1,787,000 | 2,753,000 | 3,966,000 |
| Provision for loan losses | 90,000 | 165,000 | 290,000 | 575,000 |
| Pretax income | 445,000 | 980,000 | 1,489,000 | 1,838,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 445,000 | 980,000 | 1,489,000 | 1,838,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,248,000 | 13,604,000 | 13,927,000 | 14,091,000 |
| Total capital | 14,578,000 | 15,013,000 | 15,413,000 | 15,755,000 |
| Risk-weighted assets | 118,899,000 | 121,791,000 | 126,574,000 | 133,033,000 |