Call reports 2004
GIBSLAND BANK & TRUST COMPANY — 2004
What GIBSLAND BANK & TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 90,655,000 | 90,692,000 | 92,046,000 | 102,153,000 |
| Total loans | 58,658,000 | 59,661,000 | 60,334,000 | 61,180,000 |
| Allowance for loan losses | 1,210,000 | 1,335,000 | 1,383,000 | 1,337,000 |
| Securities available for sale | 22,583,000 | 22,303,000 | 23,673,000 | 22,309,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,665,000 | 82,411,000 | 83,338,000 | 93,782,000 |
| Interest-bearing deposits | 72,421,000 | 71,428,000 | 71,549,000 | 81,678,000 |
| Noninterest-bearing deposits | 10,244,000 | 10,983,000 | 11,789,000 | 12,104,000 |
| Equity capital | 7,555,000 | 6,998,000 | 8,073,000 | 7,741,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,381,000 | 2,769,000 | 4,219,000 | 5,672,000 |
| Interest expense | 296,000 | 578,000 | 861,000 | 1,158,000 |
| Net interest income | 1,085,000 | 2,191,000 | 3,358,000 | 4,514,000 |
| Noninterest income | 297,000 | 544,000 | 785,000 | 1,006,000 |
| Noninterest expense | 929,000 | 1,748,000 | 2,647,000 | 3,651,000 |
| Provision for loan losses | 145,000 | 290,000 | 365,000 | 440,000 |
| Pretax income | 308,000 | 697,000 | 1,127,000 | 1,424,000 |
| Income tax | 66,000 | 138,000 | 255,000 | 312,000 |
| Net income | 242,000 | 559,000 | 872,000 | 1,112,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,574,000 | 7,786,000 | 8,097,000 | 7,981,000 |
| Total capital | 8,315,000 | 8,533,000 | 8,860,000 | 8,786,000 |
| Risk-weighted assets | 58,830,000 | 59,184,000 | 60,411,000 | 63,853,000 |