Call reports 2005
GIBSLAND BANK & TRUST COMPANY — 2005
What GIBSLAND BANK & TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 95,212,000 | 97,379,000 | 101,323,000 | 112,741,000 |
| Total loans | 61,516,000 | 64,038,000 | 67,036,000 | 68,572,000 |
| Allowance for loan losses | 1,409,000 | 1,429,000 | 1,576,000 | 1,433,000 |
| Securities available for sale | 24,348,000 | 25,296,000 | 21,707,000 | 21,266,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,708,000 | 86,866,000 | 90,714,000 | 103,470,000 |
| Interest-bearing deposits | 74,886,000 | 74,626,000 | 78,394,000 | 89,902,000 |
| Noninterest-bearing deposits | 11,822,000 | 12,240,000 | 12,320,000 | 13,568,000 |
| Equity capital | 7,741,000 | 8,366,000 | 8,389,000 | 8,122,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,478,000 | 3,027,000 | 4,662,000 | 6,339,000 |
| Interest expense | 321,000 | 670,000 | 1,093,000 | 1,554,000 |
| Net interest income | 1,157,000 | 2,357,000 | 3,569,000 | 4,785,000 |
| Noninterest income | 227,000 | 484,000 | 763,000 | 1,010,000 |
| Noninterest expense | 894,000 | 1,729,000 | 2,684,000 | 3,719,000 |
| Provision for loan losses | 120,000 | 200,000 | 360,000 | 520,000 |
| Pretax income | 363,000 | 881,000 | 1,250,000 | 1,522,000 |
| Income tax | 54,000 | 184,000 | 273,000 | 367,000 |
| Net income | 309,000 | 697,000 | 977,000 | 1,155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,126,000 | 8,398,000 | 8,679,000 | 8,513,000 |
| Total capital | 8,915,000 | 9,222,000 | 9,566,000 | 9,447,000 |
| Risk-weighted assets | 62,536,000 | 65,351,000 | 70,257,000 | 74,259,000 |