Call reports 2019
GARY STATE BANK, THE — 2019
What GARY STATE BANK, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 13,869,000 | 14,733,000 | 15,043,000 | 14,345,000 |
| Total loans | 10,444,000 | 11,526,000 | 11,276,000 | 11,255,000 |
| Allowance for loan losses | 281,000 | 287,000 | 289,000 | 291,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,130,000 | 10,534,000 | 10,819,000 | 11,306,000 |
| Interest-bearing deposits | 7,879,000 | 7,476,000 | 7,470,000 | 7,620,000 |
| Noninterest-bearing deposits | 3,251,000 | 3,058,000 | 3,349,000 | 3,686,000 |
| Equity capital | 1,928,000 | 1,990,000 | 2,063,000 | 2,146,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 171,000 | 349,000 | 547,000 | 743,000 |
| Interest expense | 11,000 | 27,000 | 51,000 | 70,000 |
| Net interest income | 160,000 | 322,000 | 496,000 | 673,000 |
| Noninterest income | 28,000 | 59,000 | 89,000 | 133,000 |
| Noninterest expense | 132,000 | 262,000 | 391,000 | 528,000 |
| Provision for loan losses | 2,000 | 3,000 | 5,000 | 6,000 |
| Pretax income | 54,000 | 116,000 | 189,000 | 272,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 54,000 | 116,000 | 189,000 | 272,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,928,000 | 1,990,000 | 2,063,000 | 2,146,000 |
| Total capital | 2,060,000 | 2,133,000 | 2,205,000 | 2,285,000 |
| Risk-weighted assets | 10,400,000 | 11,277,000 | 11,209,000 | 10,969,000 |
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