Call reports 2019
GIFFORD STATE BANK, THE — 2019
What GIFFORD STATE BANK, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 154,288,000 | 152,982,000 | 155,119,000 | 156,033,000 |
| Total loans | 126,157,000 | 126,603,000 | 128,650,000 | 125,021,000 |
| Allowance for loan losses | 2,093,000 | 2,355,000 | 1,342,000 | 1,560,000 |
| Securities available for sale | 3,093,000 | 3,085,000 | 3,195,000 | 3,018,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,642,000 | 128,800,000 | 131,222,000 | 132,050,000 |
| Interest-bearing deposits | 108,490,000 | 107,354,000 | 108,632,000 | 109,804,000 |
| Noninterest-bearing deposits | 24,152,000 | 21,446,000 | 22,590,000 | 22,246,000 |
| Equity capital | 15,552,000 | 15,608,000 | 15,359,000 | 15,383,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,672,000 | 3,364,000 | 5,109,000 | 6,874,000 |
| Interest expense | 204,000 | 413,000 | 642,000 | 878,000 |
| Net interest income | 1,468,000 | 2,951,000 | 4,467,000 | 5,996,000 |
| Noninterest income | 149,000 | 284,000 | 421,000 | 632,000 |
| Noninterest expense | 1,060,000 | 2,129,000 | 3,280,000 | 4,525,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,150,000 |
| Pretax income | 257,000 | 506,000 | 708,000 | 954,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 257,000 | 506,000 | 708,000 | 954,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,598,000 | 15,618,000 | 15,358,000 | 15,373,000 |
| Total capital | 17,206,000 | 17,216,000 | 16,705,000 | 16,933,000 |
| Risk-weighted assets | 128,180,000 | 127,109,000 | 128,650,000 | 125,806,000 |