Call reports 2003
H. F. GEHANT BANKING CO. — 2003
What H. F. GEHANT BANKING CO. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 30,771,000 | 31,751,000 | 30,678,000 | 30,981,000 |
| Total loans | 19,486,000 | 20,502,000 | 20,496,000 | 19,870,000 |
| Allowance for loan losses | 307,000 | 341,000 | 368,000 | 272,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,919,000 | 4,353,000 | 6,862,000 | 6,858,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,665,000 | 27,582,000 | 26,464,000 | 26,781,000 |
| Interest-bearing deposits | 24,859,000 | 25,736,000 | 24,647,000 | 24,541,000 |
| Noninterest-bearing deposits | 1,806,000 | 1,846,000 | 1,817,000 | 2,240,000 |
| Equity capital | 3,958,000 | 3,983,000 | 4,024,000 | 4,050,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 417,000 | 833,000 | 1,242,000 | 1,626,000 |
| Interest expense | 174,000 | 343,000 | 500,000 | 644,000 |
| Net interest income | 243,000 | 490,000 | 742,000 | 982,000 |
| Noninterest income | 42,000 | 50,000 | 64,000 | 77,000 |
| Noninterest expense | 172,000 | 357,000 | 538,000 | 653,000 |
| Provision for loan losses | 40,000 | 70,000 | 100,000 | 130,000 |
| Pretax income | 73,000 | 113,000 | 168,000 | 276,000 |
| Income tax | 7,000 | 22,000 | 36,000 | 80,000 |
| Net income | 66,000 | 91,000 | 132,000 | 196,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,958,000 | 3,983,000 | 4,024,000 | 4,050,000 |
| Total capital | 4,190,000 | 4,232,000 | 4,264,000 | 4,287,000 |
| Risk-weighted assets | 18,477,000 | 19,812,000 | 19,184,000 | 18,932,000 |
Machine access — free, no API key
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