Call reports 2023
GIFFORD STATE BANK, THE — 2023
What GIFFORD STATE BANK, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 201,593,000 | 196,437,000 | 191,313,000 | 187,128,000 |
| Total loans | 116,164,000 | 120,103,000 | 125,021,000 | 127,738,000 |
| Allowance for loan losses | 2,012,000 | 2,012,000 | 2,035,000 | 2,251,000 |
| Securities available for sale | 1,517,000 | 1,424,000 | 1,332,000 | 1,302,000 |
| Securities held to maturity | 47,976,000 | 47,209,000 | 46,348,000 | 45,670,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,820,000 | 175,108,000 | 169,477,000 | 164,828,000 |
| Interest-bearing deposits | 145,297,000 | 141,555,000 | 136,491,000 | 130,767,000 |
| Noninterest-bearing deposits | 35,523,000 | 33,553,000 | 32,986,000 | 34,061,000 |
| Equity capital | 19,290,000 | 19,841,000 | 20,354,000 | 20,675,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,917,000 | 3,986,000 | 6,062,000 | 8,160,000 |
| Interest expense | 121,000 | 275,000 | 457,000 | 659,000 |
| Net interest income | 1,796,000 | 3,711,000 | 5,605,000 | 7,501,000 |
| Noninterest income | 106,000 | 223,000 | 339,000 | 723,000 |
| Noninterest expense | 1,095,000 | 2,188,000 | 3,294,000 | 4,722,000 |
| Provision for loan losses | 0 | 0 | 0 | 190,000 |
| Pretax income | 807,000 | 1,746,000 | 2,650,000 | 3,312,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 807,000 | 1,746,000 | 2,650,000 | 3,312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,424,000 | 19,980,000 | 20,505,000 | 20,786,000 |