Call reports 2021
GARY STATE BANK, THE — 2021
What GARY STATE BANK, THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 17,193,000 | 17,323,000 | 17,075,000 | 17,632,000 |
| Total loans | 10,398,000 | 10,981,000 | 10,946,000 | 10,183,000 |
| Allowance for loan losses | 298,000 | 298,000 | 304,000 | 305,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,825,000 | 14,840,000 | 14,538,000 | 15,053,000 |
| Interest-bearing deposits | 9,654,000 | 9,576,000 | 8,958,000 | 9,082,000 |
| Noninterest-bearing deposits | 5,171,000 | 5,264,000 | 5,580,000 | 5,971,000 |
| Equity capital | 2,010,000 | 2,164,000 | 2,214,000 | 2,257,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 157,000 | 431,000 | 600,000 | 764,000 |
| Interest expense | 11,000 | 21,000 | 31,000 | 39,000 |
| Net interest income | 146,000 | 410,000 | 569,000 | 725,000 |
| Noninterest income | 29,000 | 60,000 | 91,000 | 145,000 |
| Noninterest expense | 138,000 | 278,000 | 417,000 | 582,000 |
| Provision for loan losses | 2,000 | 3,000 | 4,000 | 6,000 |
| Pretax income | 35,000 | 189,000 | 239,000 | 282,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 35,000 | 189,000 | 239,000 | 282,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,010,000 | 2,164,000 | 2,214,000 | 2,257,000 |
| Total capital | 2,134,000 | 2,294,000 | 2,350,000 | 2,383,000 |
| Risk-weighted assets | 9,751,000 | 10,241,000 | 10,677,000 | 9,888,000 |
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