Call reports 2005
BANK OF GIBSON CITY — 2005
What BANK OF GIBSON CITY 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 | 58,889,000 | 58,760,000 | 60,623,000 | 61,347,000 |
| Total loans | 24,061,000 | 25,011,000 | 27,144,000 | 27,949,000 |
| Allowance for loan losses | 465,000 | 449,000 | 456,000 | 470,000 |
| Securities available for sale | 30,821,000 | 30,844,000 | 29,224,000 | 28,319,000 |
| Securities held to maturity | 150,000 | 150,000 | 150,000 | 150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,929,000 | 47,267,000 | 47,944,000 | 49,918,000 |
| Interest-bearing deposits | 43,620,000 | 42,654,000 | 42,710,000 | 43,118,000 |
| Noninterest-bearing deposits | 5,309,000 | 4,613,000 | 5,234,000 | 6,800,000 |
| Equity capital | 6,918,000 | 7,052,000 | 7,071,000 | 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 | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 657,000 | 1,319,000 | 2,004,000 | 2,704,000 |
| Interest expense | 208,000 | 423,000 | 676,000 | 970,000 |
| Net interest income | 449,000 | 896,000 | 1,328,000 | 1,734,000 |
| Noninterest income | 70,000 | 143,000 | 235,000 | 324,000 |
| Noninterest expense | 336,000 | 658,000 | 1,008,000 | 1,390,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 41,000 |
| Pretax income | 183,000 | 381,000 | 545,000 | 633,000 |
| Income tax | 55,000 | 114,000 | 163,000 | 136,000 |
| Net income | 128,000 | 267,000 | 382,000 | 497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,270,000 | 7,266,000 | 7,365,000 | 7,419,000 |
| Total capital | 7,659,000 | 7,687,000 | 7,792,000 | 7,857,000 |
| Risk-weighted assets | 31,067,000 | 33,649,000 | 34,150,000 | 35,019,000 |