Call reports 2022
GIFFORD STATE BANK, THE — 2022
What GIFFORD STATE BANK, THE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 205,533,000 | 199,061,000 | 197,845,000 | 194,721,000 |
| Total loans | 110,954,000 | 114,890,000 | 120,002,000 | 119,506,000 |
| Allowance for loan losses | 2,098,000 | 2,072,000 | 2,043,000 | 1,985,000 |
| Securities available for sale | 3,462,000 | 3,148,000 | 3,016,000 | 1,600,000 |
| Securities held to maturity | 49,677,000 | 48,925,000 | 48,186,000 | 48,638,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,406,000 | 179,653,000 | 178,092,000 | 174,463,000 |
| Interest-bearing deposits | 153,376,000 | 148,461,000 | 146,855,000 | 140,832,000 |
| Noninterest-bearing deposits | 33,030,000 | 31,192,000 | 31,237,000 | 33,631,000 |
| Equity capital | 17,763,000 | 18,064,000 | 18,413,000 | 18,834,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,353,000 | 2,980,000 | 4,710,000 | 6,540,000 |
| Interest expense | 119,000 | 235,000 | 340,000 | 443,000 |
| Net interest income | 1,234,000 | 2,745,000 | 4,370,000 | 6,097,000 |
| Noninterest income | 119,000 | 248,000 | 373,000 | 751,000 |
| Noninterest expense | 1,089,000 | 2,214,000 | 3,310,000 | 4,658,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 264,000 | 779,000 | 1,433,000 | 2,190,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 264,000 | 779,000 | 1,433,000 | 2,190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,726,000 | 18,190,000 | 18,565,000 | 18,967,000 |