Call reports 2003
GIBSLAND BANK & TRUST COMPANY — 2003
What GIBSLAND BANK & TRUST COMPANY 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 | 87,886,000 | 85,800,000 | 85,869,000 | 99,403,000 |
| Total loans | 53,754,000 | 53,286,000 | 55,255,000 | 57,143,000 |
| Allowance for loan losses | 1,314,000 | 1,274,000 | 1,410,000 | 1,336,000 |
| Securities available for sale | 18,856,000 | 16,431,000 | 20,378,000 | 22,933,000 |
| Securities held to maturity | 1,000,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,557,000 | 78,021,000 | 78,307,000 | 91,953,000 |
| Interest-bearing deposits | 71,533,000 | 68,626,000 | 69,468,000 | 82,223,000 |
| Noninterest-bearing deposits | 9,024,000 | 9,395,000 | 8,839,000 | 9,730,000 |
| Equity capital | 6,875,000 | 7,102,000 | 6,961,000 | 7,077,000 |
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 | 1,322,000 | 2,648,000 | 3,980,000 | 5,343,000 |
| Interest expense | 373,000 | 730,000 | 1,052,000 | 1,359,000 |
| Net interest income | 949,000 | 1,918,000 | 2,928,000 | 3,984,000 |
| Noninterest income | 234,000 | 496,000 | 749,000 | 977,000 |
| Noninterest expense | 753,000 | 1,550,000 | 2,327,000 | 3,252,000 |
| Provision for loan losses | 250,000 | 340,000 | 525,000 | 600,000 |
| Pretax income | 180,000 | 572,000 | 873,000 | 1,157,000 |
| Income tax | 50,000 | 152,000 | 224,000 | 263,000 |
| Net income | 130,000 | 420,000 | 649,000 | 894,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,849,000 | 7,018,000 | 7,246,000 | 7,331,000 |
| Total capital | 7,537,000 | 7,704,000 | 7,950,000 | 8,088,000 |
| Risk-weighted assets | 54,329,000 | 54,288,000 | 55,617,000 | 60,013,000 |