Call reports 2002
BANK OF GIBSON CITY — 2002
What BANK OF GIBSON CITY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 55,177,000 | 54,951,000 | 55,051,000 | 58,751,000 |
| Total loans | 36,219,000 | 34,923,000 | 33,546,000 | 32,021,000 |
| Allowance for loan losses | 734,000 | 778,000 | 613,000 | 604,000 |
| Securities available for sale | 16,090,000 | 15,555,000 | 16,092,000 | 17,748,000 |
| Securities held to maturity | 150,000 | 150,000 | 150,000 | 150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,490,000 | 45,153,000 | 45,621,000 | 49,832,000 |
| Interest-bearing deposits | 42,226,000 | 41,325,000 | 41,843,000 | 45,431,000 |
| Noninterest-bearing deposits | 4,264,000 | 3,828,000 | 3,778,000 | 4,401,000 |
| Equity capital | 6,864,000 | 7,061,000 | 6,869,000 | 6,965,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 910,000 | 1,776,000 | 2,623,000 | 3,400,000 |
| Interest expense | 383,000 | 723,000 | 1,056,000 | 1,369,000 |
| Net interest income | 527,000 | 1,053,000 | 1,567,000 | 2,031,000 |
| Noninterest income | 54,000 | 115,000 | 177,000 | 249,000 |
| Noninterest expense | 291,000 | 612,000 | 930,000 | 1,282,000 |
| Provision for loan losses | 18,000 | 101,000 | 771,000 | 771,000 |
| Pretax income | 272,000 | 455,000 | 43,000 | 227,000 |
| Income tax | 82,000 | 153,000 | -31,000 | -8,000 |
| Net income | 190,000 | 302,000 | 74,000 | 235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,708,000 | 6,785,000 | 6,520,000 | 6,624,000 |
| Total capital | 7,238,000 | 7,318,000 | 7,048,000 | 7,136,000 |
| Risk-weighted assets | 42,186,000 | 42,494,000 | 42,151,000 | 41,151,000 |