Call reports 2018
GARY STATE BANK, THE — 2018
What GARY STATE BANK, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 13,634,000 | 13,355,000 | 13,850,000 | 13,959,000 |
| Total loans | 11,207,000 | 10,787,000 | 11,162,000 | 10,764,000 |
| Allowance for loan losses | 269,000 | 276,000 | 277,000 | 278,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,732,000 | 10,570,000 | 10,808,000 | 11,047,000 |
| Interest-bearing deposits | 7,718,000 | 7,632,000 | 7,784,000 | 7,462,000 |
| Noninterest-bearing deposits | 3,014,000 | 2,938,000 | 3,024,000 | 3,585,000 |
| Equity capital | 1,874,000 | 1,935,000 | 1,999,000 | 2,076,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 164,000 | 333,000 | 504,000 | 678,000 |
| Interest expense | 9,000 | 19,000 | 29,000 | 40,000 |
| Net interest income | 155,000 | 314,000 | 475,000 | 638,000 |
| Noninterest income | 23,000 | 48,000 | 71,000 | 125,000 |
| Noninterest expense | 126,000 | 248,000 | 367,000 | 505,000 |
| Provision for loan losses | 2,000 | 3,000 | 4,000 | 6,000 |
| Pretax income | 50,000 | 111,000 | 175,000 | 252,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 50,000 | 111,000 | 175,000 | 252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,874,000 | 1,935,000 | 1,999,000 | 2,076,000 |
| Total capital | 2,012,000 | 2,068,000 | 2,137,000 | 2,211,000 |
| Risk-weighted assets | 10,912,000 | 10,489,000 | 10,891,000 | 10,639,000 |