Call reports 2006
BANK OF GIBSON CITY — 2006
What BANK OF GIBSON CITY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 60,362,000 | 60,440,000 | 60,309,000 | 60,748,000 |
| Total loans | 28,005,000 | 28,845,000 | 29,257,000 | 28,909,000 |
| Allowance for loan losses | 467,000 | 416,000 | 418,000 | 393,000 |
| Securities available for sale | 29,009,000 | 27,996,000 | 27,753,000 | 27,160,000 |
| Securities held to maturity | 150,000 | 150,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,682,000 | 48,938,000 | 47,601,000 | 49,119,000 |
| Interest-bearing deposits | 42,999,000 | 43,435,000 | 42,269,000 | 42,607,000 |
| Noninterest-bearing deposits | 5,683,000 | 5,503,000 | 5,332,000 | 6,512,000 |
| Equity capital | 6,991,000 | 6,863,000 | 7,187,000 | 7,315,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 722,000 | 1,474,000 | 2,250,000 | 3,039,000 |
| Interest expense | 304,000 | 661,000 | 1,056,000 | 1,476,000 |
| Net interest income | 418,000 | 813,000 | 1,194,000 | 1,563,000 |
| Noninterest income | 74,000 | 169,000 | 269,000 | 379,000 |
| Noninterest expense | 348,000 | 590,000 | 946,000 | 1,276,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 144,000 | 392,000 | 517,000 | 670,000 |
| Income tax | 43,000 | 95,000 | 133,000 | 163,000 |
| Net income | 101,000 | 297,000 | 384,000 | 507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,492,000 | 7,590,000 | 7,668,000 | 7,691,000 |
| Total capital | 7,929,000 | 8,006,000 | 8,086,000 | 8,084,000 |
| Risk-weighted assets | 34,905,000 | 35,896,000 | 35,882,000 | 35,727,000 |