Call reports 2020
GARY STATE BANK, THE — 2020
What GARY STATE BANK, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 14,593,000 | 14,587,000 | 15,424,000 | 16,336,000 |
| Total loans | 11,166,000 | 11,686,000 | 10,825,000 | 10,335,000 |
| Allowance for loan losses | 293,000 | 292,000 | 294,000 | 295,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,793,000 | 11,752,000 | 12,931,000 | 13,789,000 |
| Interest-bearing deposits | 8,359,000 | 8,196,000 | 8,482,000 | 9,106,000 |
| Noninterest-bearing deposits | 3,434,000 | 3,556,000 | 4,449,000 | 4,683,000 |
| Equity capital | 1,987,000 | 2,058,000 | 2,119,000 | 2,169,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 190,000 | 380,000 | 573,000 | 747,000 |
| Interest expense | 18,000 | 34,000 | 50,000 | 62,000 |
| Net interest income | 172,000 | 346,000 | 523,000 | 685,000 |
| Noninterest income | 26,000 | 51,000 | 74,000 | 139,000 |
| Noninterest expense | 134,000 | 261,000 | 398,000 | 574,000 |
| Provision for loan losses | 2,000 | 3,000 | 5,000 | 6,000 |
| Pretax income | 62,000 | 133,000 | 194,000 | 244,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 62,000 | 133,000 | 194,000 | 244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,987,000 | 2,058,000 | 2,119,000 | 2,169,000 |
| Total capital | 2,127,000 | 2,203,000 | 2,258,000 | 2,298,000 |
| Risk-weighted assets | 11,040,000 | 11,481,000 | 10,969,000 | 10,141,000 |