Call reports 2020
GIFFORD STATE BANK, THE — 2020
What GIFFORD STATE BANK, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 159,806,000 | 161,010,000 | 166,035,000 | 169,124,000 |
| Total loans | 122,660,000 | 125,409,000 | 120,848,000 | 115,689,000 |
| Allowance for loan losses | 1,832,000 | 1,532,000 | 1,237,000 | 1,448,000 |
| Securities available for sale | 2,860,000 | 3,357,000 | 3,164,000 | 2,941,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,772,000 | 144,279,000 | 149,313,000 | 152,422,000 |
| Interest-bearing deposits | 114,364,000 | 119,714,000 | 124,388,000 | 124,216,000 |
| Noninterest-bearing deposits | 21,408,000 | 24,565,000 | 24,926,000 | 28,206,000 |
| Equity capital | 15,432,000 | 15,472,000 | 15,493,000 | 15,461,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,670,000 | 3,277,000 | 4,866,000 | 6,384,000 |
| Interest expense | 236,000 | 483,000 | 678,000 | 864,000 |
| Net interest income | 1,434,000 | 2,794,000 | 4,188,000 | 5,520,000 |
| Noninterest income | 130,000 | 337,000 | 495,000 | 947,000 |
| Noninterest expense | 1,022,000 | 2,065,000 | 3,145,000 | 4,406,000 |
| Provision for loan losses | 260,000 | 585,000 | 810,000 | 1,135,000 |
| Pretax income | 282,000 | 481,000 | 728,000 | 926,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 282,000 | 481,000 | 728,000 | 926,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,425,000 | 15,395,000 | 15,411,000 | 15,379,000 |