Call reports 2016
GIBSLAND BANK & TRUST COMPANY — 2016
What GIBSLAND BANK & TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 371,582,000 | 370,104,000 | 375,251,000 | 399,704,000 |
| Total loans | 268,206,000 | 273,536,000 | 285,109,000 | 292,341,000 |
| Allowance for loan losses | 1,774,000 | 1,784,000 | 1,985,000 | 1,627,000 |
| Securities available for sale | 38,380,000 | 45,966,000 | 50,295,000 | 47,139,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 330,443,000 | 327,572,000 | 322,560,000 | 340,628,000 |
| Interest-bearing deposits | 276,571,000 | 275,207,000 | 272,699,000 | 292,811,000 |
| Noninterest-bearing deposits | 53,872,000 | 52,365,000 | 49,861,000 | 47,817,000 |
| Equity capital | 35,415,000 | 36,841,000 | 37,990,000 | 37,799,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,299,000 | 8,952,000 | 13,867,000 | 18,750,000 |
| Interest expense | 621,000 | 1,236,000 | 1,854,000 | 2,492,000 |
| Net interest income | 3,678,000 | 7,716,000 | 12,013,000 | 16,258,000 |
| Noninterest income | 538,000 | 902,000 | 1,440,000 | 1,936,000 |
| Noninterest expense | 2,787,000 | 5,384,000 | 8,124,000 | 10,836,000 |
| Provision for loan losses | 150,000 | 400,000 | 650,000 | 1,150,000 |
| Pretax income | 1,279,000 | 2,834,000 | 4,682,000 | 6,211,000 |
| Income tax | 422,000 | 896,000 | 1,463,000 | 1,916,000 |
| Net income | 857,000 | 1,938,000 | 3,219,000 | 4,295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,499,000 | 37,580,000 | 38,861,000 | 39,617,000 |
| Total capital | 38,273,000 | 39,364,000 | 40,846,000 | 41,244,000 |
| Risk-weighted assets | 288,466,000 | 294,919,000 | 305,862,000 | 317,781,000 |