Call reports 2004
BANK OF GIBSON CITY — 2004
What BANK OF GIBSON CITY 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 | 60,180,000 | 60,093,000 | 60,822,000 | 60,794,000 |
| Total loans | 26,464,000 | 26,895,000 | 26,764,000 | 26,644,000 |
| Allowance for loan losses | 638,000 | 667,000 | 722,000 | 470,000 |
| Securities available for sale | 31,350,000 | 29,739,000 | 29,217,000 | 29,449,000 |
| Securities held to maturity | 150,000 | 150,000 | 150,000 | 150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,901,000 | 50,883,000 | 50,470,000 | 50,908,000 |
| Interest-bearing deposits | 46,174,000 | 45,905,000 | 45,047,000 | 44,562,000 |
| Noninterest-bearing deposits | 4,727,000 | 4,978,000 | 5,423,000 | 6,346,000 |
| Equity capital | 7,031,000 | 6,622,000 | 7,159,000 | 7,108,000 |
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 | 678,000 | 1,348,000 | 2,017,000 | 2,687,000 |
| Interest expense | 186,000 | 370,000 | 560,000 | 766,000 |
| Net interest income | 492,000 | 978,000 | 1,457,000 | 1,921,000 |
| Noninterest income | 61,000 | 127,000 | 196,000 | 266,000 |
| Noninterest expense | 328,000 | 651,000 | 996,000 | 1,413,000 |
| Provision for loan losses | 0 | 0 | 0 | -60,000 |
| Pretax income | 225,000 | 560,000 | 763,000 | 950,000 |
| Income tax | 67,000 | 167,000 | 228,000 | 270,000 |
| Net income | 158,000 | 393,000 | 535,000 | 680,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,789,000 | 6,996,000 | 7,138,000 | 7,205,000 |
| Total capital | 7,207,000 | 7,421,000 | 7,562,000 | 7,675,000 |
| Risk-weighted assets | 33,250,000 | 33,748,000 | 33,603,000 | 38,368,000 |