Call reports 2016
GIFFORD STATE BANK, THE — 2016
What GIFFORD STATE BANK, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 159,638,000 | 161,396,000 | 165,631,000 | 166,573,000 |
| Total loans | 132,546,000 | 135,739,000 | 139,739,000 | 139,415,000 |
| Allowance for loan losses | 1,860,000 | 2,132,000 | 2,269,000 | 2,453,000 |
| Securities available for sale | 5,411,000 | 5,044,000 | 4,692,000 | 4,244,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,287,000 | 130,709,000 | 129,712,000 | 130,666,000 |
| Interest-bearing deposits | 106,600,000 | 107,747,000 | 105,996,000 | 108,390,000 |
| Noninterest-bearing deposits | 22,687,000 | 22,962,000 | 23,716,000 | 22,276,000 |
| Equity capital | 14,500,000 | 14,831,000 | 15,116,000 | 14,919,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,682,000 | 3,459,000 | 5,265,000 | 7,100,000 |
| Interest expense | 156,000 | 323,000 | 499,000 | 682,000 |
| Net interest income | 1,526,000 | 3,136,000 | 4,766,000 | 6,418,000 |
| Noninterest income | 116,000 | 230,000 | 329,000 | 561,000 |
| Noninterest expense | 965,000 | 1,898,000 | 2,899,000 | 4,040,000 |
| Provision for loan losses | 145,000 | 435,000 | 695,000 | 1,200,000 |
| Pretax income | 535,000 | 1,036,000 | 1,504,000 | 1,736,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 535,000 | 1,036,000 | 1,504,000 | 1,736,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,441,000 | 14,758,000 | 15,041,000 | 14,919,000 |
| Total capital | 16,119,000 | 16,590,000 | 16,932,000 | 16,759,000 |
| Risk-weighted assets | 134,039,000 | 146,219,000 | 150,795,000 | 146,498,000 |