Call reports 2022
GARY STATE BANK, THE — 2022
What GARY STATE BANK, THE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 17,711,000 | 17,607,000 | 18,307,000 | 18,353,000 |
| Total loans | 10,729,000 | 11,259,000 | 11,559,000 | 10,778,000 |
| Allowance for loan losses | 305,000 | 307,000 | 307,000 | 308,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,198,000 | 15,224,000 | 15,832,000 | 15,789,000 |
| Interest-bearing deposits | 9,477,000 | 9,357,000 | 9,446,000 | 9,263,000 |
| Noninterest-bearing deposits | 5,721,000 | 5,867,000 | 6,386,000 | 6,526,000 |
| Equity capital | 2,208,000 | 2,113,000 | 2,201,000 | 2,287,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 156,000 | 329,000 | 523,000 | 740,000 |
| Interest expense | 8,000 | 15,000 | 23,000 | 34,000 |
| Net interest income | 148,000 | 314,000 | 500,000 | 706,000 |
| Noninterest income | 29,000 | 61,000 | 95,000 | 136,000 |
| Noninterest expense | 147,000 | 284,000 | 416,000 | 577,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 30,000 | 91,000 | 179,000 | 265,000 |
| Income tax | 2,000 | 3,000 | 3,000 | 3,000 |
| Net income | 28,000 | 88,000 | 176,000 | 262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,208,000 | 2,113,000 | 2,201,000 | 2,287,000 |
| Total capital | 2,342,000 | 2,254,000 | 2,346,000 | 2,421,000 |
| Risk-weighted assets | 10,565,000 | 11,080,000 | 11,475,000 | 10,563,000 |