Call reports 2005
H. F. GEHANT BANKING CO. — 2005
What H. F. GEHANT BANKING CO. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 31,477,000 | 31,690,000 | 31,500,000 | 33,548,000 |
| Total loans | 20,906,000 | 21,304,000 | 22,886,000 | 23,885,000 |
| Allowance for loan losses | 252,000 | 268,000 | 271,000 | 274,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,970,000 | 5,979,000 | 5,989,000 | 6,019,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,087,000 | 27,235,000 | 26,945,000 | 29,001,000 |
| Interest-bearing deposits | 24,688,000 | 25,222,000 | 25,264,000 | 26,524,000 |
| Noninterest-bearing deposits | 2,399,000 | 2,013,000 | 1,681,000 | 2,477,000 |
| Equity capital | 4,228,000 | 4,273,000 | 4,330,000 | 4,314,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 386,000 | 808,000 | 1,250,000 | 1,747,000 |
| Interest expense | 131,000 | 277,000 | 440,000 | 621,000 |
| Net interest income | 255,000 | 531,000 | 810,000 | 1,126,000 |
| Noninterest income | 19,000 | 32,000 | 50,000 | 69,000 |
| Noninterest expense | 195,000 | 401,000 | 614,000 | 861,000 |
| Provision for loan losses | 8,000 | 8,000 | 8,000 | 8,000 |
| Pretax income | 71,000 | 154,000 | 238,000 | 326,000 |
| Income tax | 11,000 | 49,000 | 76,000 | 107,000 |
| Net income | 60,000 | 105,000 | 162,000 | 219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,228,000 | 4,273,000 | 4,330,000 | 4,314,000 |
| Total capital | 4,469,000 | 4,514,000 | 4,592,000 | 4,584,000 |
| Risk-weighted assets | 19,287,000 | 19,815,000 | 20,935,000 | 21,955,000 |
Machine access — free, no API key
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