Call reports 2014
GIBRALTAR BANK — 2014
What GIBRALTAR BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 108,138,000 | 105,705,000 | 103,048,000 | 102,200,000 |
| Total loans | 91,211,000 | 87,077,000 | 87,489,000 | 87,086,000 |
| Allowance for loan losses | 961,000 | 961,000 | 833,000 | 833,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,417,000 | 8,132,000 | 7,866,000 | 7,730,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,573,000 | 75,051,000 | 72,653,000 | 70,889,000 |
| Interest-bearing deposits | 74,297,000 | 72,276,000 | 70,137,000 | 68,147,000 |
| Noninterest-bearing deposits | 2,276,000 | 2,775,000 | 2,516,000 | 2,742,000 |
| Equity capital | 12,594,000 | 12,613,000 | 13,025,000 | 13,027,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 988,000 | 1,917,000 | 2,829,000 | 3,730,000 |
| Interest expense | 229,000 | 448,000 | 666,000 | 875,000 |
| Net interest income | 759,000 | 1,469,000 | 2,163,000 | 2,855,000 |
| Noninterest income | 19,000 | 49,000 | 84,000 | 100,000 |
| Noninterest expense | 728,000 | 1,437,000 | 2,188,000 | 2,892,000 |
| Provision for loan losses | 0 | 0 | -100,000 | -100,000 |
| Pretax income | 50,000 | 81,000 | 159,000 | 163,000 |
| Income tax | 24,000 | 36,000 | 93,000 | 95,000 |
| Net income | 26,000 | 45,000 | 66,000 | 68,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,398,000 | 12,417,000 | 12,481,000 | 12,483,000 |
| Total capital | 13,099,000 | 13,117,000 | 13,162,000 | 13,155,000 |
| Risk-weighted assets | 55,824,000 | 55,731,000 | 54,345,000 | 53,572,000 |