Call reports 2021
GIFFORD STATE BANK, THE — 2021
What GIFFORD STATE BANK, THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 188,470,000 | 182,694,000 | 178,767,000 | 183,542,000 |
| Total loans | 112,604,000 | 114,611,000 | 114,657,000 | 113,219,000 |
| Allowance for loan losses | 1,504,000 | 1,523,000 | 1,524,000 | 2,092,000 |
| Securities available for sale | 2,751,000 | 2,559,000 | 2,401,000 | 2,812,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,804,000 | 165,930,000 | 161,899,000 | 166,461,000 |
| Interest-bearing deposits | 138,845,000 | 135,729,000 | 133,643,000 | 136,297,000 |
| Noninterest-bearing deposits | 32,959,000 | 30,201,000 | 28,256,000 | 30,165,000 |
| Equity capital | 15,370,000 | 15,425,000 | 15,497,000 | 15,739,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,373,000 | 2,759,000 | 4,180,000 | 5,583,000 |
| Interest expense | 153,000 | 298,000 | 426,000 | 551,000 |
| Net interest income | 1,220,000 | 2,461,000 | 3,754,000 | 5,032,000 |
| Noninterest income | 116,000 | 270,000 | 403,000 | 1,372,000 |
| Noninterest expense | 1,113,000 | 2,208,000 | 3,329,000 | 4,484,000 |
| Provision for loan losses | 75,000 | 75,000 | 75,000 | 650,000 |
| Pretax income | 148,000 | 448,000 | 753,000 | 1,270,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 148,000 | 448,000 | 753,000 | 1,270,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,297,000 | 15,366,000 | 15,442,000 | 15,702,000 |