Call reports 2015
GARY STATE BANK, THE — 2015
What GARY STATE BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 13,541,000 | 12,502,000 | 12,653,000 | 13,742,000 |
| Total loans | 10,272,000 | 10,610,000 | 10,701,000 | 10,509,000 |
| Allowance for loan losses | 218,000 | 259,000 | 261,000 | 262,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,607,000 | 9,588,000 | 9,700,000 | 10,755,000 |
| Interest-bearing deposits | 7,444,000 | 7,084,000 | 7,017,000 | 7,550,000 |
| Noninterest-bearing deposits | 3,163,000 | 2,504,000 | 2,683,000 | 3,205,000 |
| Equity capital | 1,708,000 | 1,741,000 | 1,787,000 | 1,835,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 149,000 | 300,000 | 456,000 | 610,000 |
| Interest expense | 11,000 | 21,000 | 31,000 | 41,000 |
| Net interest income | 138,000 | 279,000 | 425,000 | 569,000 |
| Noninterest income | 24,000 | 49,000 | 75,000 | 114,000 |
| Noninterest expense | 126,000 | 258,000 | 382,000 | 516,000 |
| Provision for loan losses | 2,000 | 3,000 | 5,000 | 6,000 |
| Pretax income | 34,000 | 67,000 | 113,000 | 161,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 34,000 | 67,000 | 113,000 | 161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,708,000 | 1,741,000 | 1,787,000 | 1,835,000 |
| Total capital | 1,843,000 | 1,876,000 | 1,923,000 | 1,972,000 |
| Risk-weighted assets | 10,713,000 | 10,707,000 | 10,735,000 | 10,797,000 |