Call reports 2016
GARY STATE BANK, THE — 2016
What GARY STATE BANK, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 13,222,000 | 13,114,000 | 13,356,000 | 15,782,000 |
| Total loans | 10,121,000 | 10,671,000 | 10,965,000 | 10,266,000 |
| Allowance for loan losses | 263,000 | 266,000 | 268,000 | 269,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,345,000 | 10,240,000 | 10,429,000 | 12,805,000 |
| Interest-bearing deposits | 7,493,000 | 7,592,000 | 7,605,000 | 9,060,000 |
| Noninterest-bearing deposits | 2,852,000 | 2,648,000 | 2,824,000 | 3,745,000 |
| Equity capital | 1,755,000 | 1,804,000 | 1,864,000 | 1,931,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 149,000 | 307,000 | 473,000 | 631,000 |
| Interest expense | 10,000 | 19,000 | 29,000 | 39,000 |
| Net interest income | 139,000 | 288,000 | 444,000 | 592,000 |
| Noninterest income | 25,000 | 51,000 | 79,000 | 124,000 |
| Noninterest expense | 128,000 | 252,000 | 374,000 | 499,000 |
| Provision for loan losses | 1,000 | 3,000 | 5,000 | 6,000 |
| Pretax income | 35,000 | 84,000 | 144,000 | 211,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 35,000 | 84,000 | 144,000 | 211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,755,000 | 1,804,000 | 1,864,000 | 1,931,000 |
| Total capital | 1,884,000 | 1,940,000 | 2,004,000 | 2,069,000 |
| Risk-weighted assets | 10,225,000 | 10,728,000 | 11,067,000 | 10,900,000 |