Call reports 2012
GIBRALTAR BANK — 2012
What GIBRALTAR BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 98,456,000 | 102,622,000 | 105,974,000 | 109,175,000 |
| Total loans | 81,869,000 | 86,766,000 | 90,573,000 | 89,478,000 |
| Allowance for loan losses | 784,000 | 891,000 | 891,000 | 1,001,000 |
| Securities available for sale | 4,114,000 | 4,129,000 | 4,151,000 | 4,077,000 |
| Securities held to maturity | 8,596,000 | 8,139,000 | 7,559,000 | 7,037,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,951,000 | 77,971,000 | 77,661,000 | 80,039,000 |
| Interest-bearing deposits | 69,731,000 | 75,752,000 | 75,547,000 | 77,813,000 |
| Noninterest-bearing deposits | 2,220,000 | 2,219,000 | 2,114,000 | 2,226,000 |
| Equity capital | 12,015,000 | 12,128,000 | 12,306,000 | 12,107,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,127,000 | 2,228,000 | 3,362,000 | 4,474,000 |
| Interest expense | 276,000 | 545,000 | 814,000 | 1,082,000 |
| Net interest income | 851,000 | 1,683,000 | 2,548,000 | 3,392,000 |
| Noninterest income | 26,000 | 48,000 | 68,000 | 102,000 |
| Noninterest expense | 719,000 | 1,356,000 | 1,995,000 | 2,656,000 |
| Provision for loan losses | 90,000 | 220,000 | 310,000 | 420,000 |
| Pretax income | 68,000 | 165,000 | 321,000 | 463,000 |
| Income tax | 1,000 | 0 | 0 | 0 |
| Net income | 67,000 | 165,000 | 321,000 | 463,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,936,000 | 12,053,000 | 12,231,000 | 12,268,000 |
| Total capital | 12,712,000 | 12,819,000 | 13,022,000 | 13,056,000 |
| Risk-weighted assets | 62,052,000 | 61,135,000 | 63,095,000 | 62,810,000 |