Call reports 2017
GARY STATE BANK, THE — 2017
What GARY STATE BANK, THE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 14,004,000 | 14,102,000 | 13,747,000 | 13,575,000 |
| Total loans | 10,587,000 | 11,060,000 | 10,935,000 | 10,792,000 |
| Allowance for loan losses | 262,000 | 268,000 | 269,000 | 266,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,170,000 | 10,271,000 | 10,355,000 | 10,632,000 |
| Interest-bearing deposits | 8,283,000 | 7,670,000 | 7,406,000 | 7,546,000 |
| Noninterest-bearing deposits | 2,887,000 | 2,601,000 | 2,949,000 | 3,086,000 |
| Equity capital | 1,820,000 | 1,877,000 | 1,944,000 | 2,008,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 157,000 | 325,000 | 500,000 | 667,000 |
| Interest expense | 10,000 | 21,000 | 34,000 | 44,000 |
| Net interest income | 147,000 | 304,000 | 466,000 | 623,000 |
| Noninterest income | 23,000 | 51,000 | 81,000 | 127,000 |
| Noninterest expense | 123,000 | 249,000 | 373,000 | 510,000 |
| Provision for loan losses | 1,000 | 3,000 | 4,000 | 6,000 |
| Pretax income | 46,000 | 103,000 | 170,000 | 234,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 46,000 | 103,000 | 170,000 | 234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,820,000 | 1,877,000 | 1,944,000 | 2,008,000 |
| Total capital | 1,956,000 | 2,018,000 | 2,084,000 | 2,145,000 |
| Risk-weighted assets | 10,782,000 | 11,181,000 | 11,053,000 | 10,843,000 |