Call reports 2015
GIBRALTAR BANK — 2015
What GIBRALTAR BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 104,087,000 | 101,504,000 | 101,050,000 | 103,053,000 |
| Total loans | 86,529,000 | 84,949,000 | 84,534,000 | 84,242,000 |
| Allowance for loan losses | 833,000 | 858,000 | 837,000 | 787,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,638,000 | 8,291,000 | 8,090,000 | 7,984,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,643,000 | 71,129,000 | 72,706,000 | 74,565,000 |
| Interest-bearing deposits | 69,993,000 | 68,696,000 | 70,355,000 | 72,119,000 |
| Noninterest-bearing deposits | 2,650,000 | 2,433,000 | 2,351,000 | 2,446,000 |
| Equity capital | 13,032,000 | 12,976,000 | 12,957,000 | 12,972,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 896,000 | 1,780,000 | 2,628,000 | 3,553,000 |
| Interest expense | 211,000 | 428,000 | 630,000 | 842,000 |
| Net interest income | 685,000 | 1,352,000 | 1,998,000 | 2,711,000 |
| Noninterest income | 35,000 | 77,000 | 169,000 | 317,000 |
| Noninterest expense | 712,000 | 1,488,000 | 2,258,000 | 3,024,000 |
| Provision for loan losses | 0 | 25,000 | 25,000 | -25,000 |
| Pretax income | 8,000 | -84,000 | -116,000 | 29,000 |
| Income tax | 3,000 | -33,000 | -46,000 | 12,000 |
| Net income | 5,000 | -51,000 | -70,000 | 17,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,488,000 | 12,432,000 | 12,413,000 | 12,500,000 |
| Total capital | 13,156,000 | 13,132,000 | 13,074,000 | 13,206,000 |
| Risk-weighted assets | 53,352,000 | 55,899,000 | 52,739,000 | 56,413,000 |