Call reports 2017
GIFFORD STATE BANK, THE — 2017
What GIFFORD STATE BANK, THE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 162,225,000 | 162,430,000 | 161,901,000 | 164,761,000 |
| Total loans | 134,101,000 | 138,517,000 | 139,547,000 | 134,289,000 |
| Allowance for loan losses | 2,453,000 | 2,463,000 | 1,458,000 | 1,782,000 |
| Securities available for sale | 4,027,000 | 3,765,000 | 3,527,000 | 3,246,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,186,000 | 131,408,000 | 130,655,000 | 133,361,000 |
| Interest-bearing deposits | 112,758,000 | 110,054,000 | 109,357,000 | 110,584,000 |
| Noninterest-bearing deposits | 23,428,000 | 21,354,000 | 21,298,000 | 22,777,000 |
| Equity capital | 15,196,000 | 15,235,000 | 15,448,000 | 15,488,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,748,000 | 3,540,000 | 5,243,000 | 7,012,000 |
| Interest expense | 190,000 | 359,000 | 544,000 | 730,000 |
| Net interest income | 1,558,000 | 3,181,000 | 4,699,000 | 6,282,000 |
| Noninterest income | 97,000 | 221,000 | 379,000 | 771,000 |
| Noninterest expense | 1,069,000 | 2,142,000 | 3,259,000 | 4,479,000 |
| Provision for loan losses | 115,000 | 430,000 | 740,000 | 1,205,000 |
| Pretax income | 471,000 | 830,000 | 1,079,000 | 1,369,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 471,000 | 830,000 | 1,079,000 | 1,369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,196,000 | 15,235,000 | 15,448,000 | 15,488,000 |
| Total capital | 16,929,000 | 17,039,000 | 16,911,000 | 17,223,000 |
| Risk-weighted assets | 137,778,000 | 143,518,000 | 142,399,000 | 138,776,000 |