Call reports 2007
BANK OF GIBSON CITY — 2007
What BANK OF GIBSON CITY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 59,343,000 | 59,543,000 | 61,715,000 | 61,682,000 |
| Total loans | 29,548,000 | 30,897,000 | 32,329,000 | 33,831,000 |
| Allowance for loan losses | 392,000 | 420,000 | 436,000 | 455,000 |
| Securities available for sale | 26,178,000 | 24,903,000 | 23,941,000 | 23,717,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,553,000 | 48,698,000 | 49,292,000 | 51,431,000 |
| Interest-bearing deposits | 42,014,000 | 42,697,000 | 43,647,000 | 43,845,000 |
| Noninterest-bearing deposits | 6,539,000 | 6,001,000 | 5,645,000 | 7,586,000 |
| Equity capital | 7,453,000 | 7,381,000 | 7,720,000 | 7,602,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 796,000 | 1,591,000 | 2,424,000 | 3,276,000 |
| Interest expense | 398,000 | 777,000 | 1,181,000 | 1,574,000 |
| Net interest income | 398,000 | 814,000 | 1,243,000 | 1,702,000 |
| Noninterest income | 82,000 | 194,000 | 331,000 | 462,000 |
| Noninterest expense | 354,000 | 692,000 | 1,066,000 | 1,561,000 |
| Provision for loan losses | 0 | 12,000 | 36,000 | 89,000 |
| Pretax income | 126,000 | 304,000 | 472,000 | 514,000 |
| Income tax | 38,000 | 91,000 | 141,000 | 119,000 |
| Net income | 88,000 | 213,000 | 331,000 | 395,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,779,000 | 7,904,000 | 8,001,000 | 7,691,000 |
| Total capital | 8,171,000 | 8,324,000 | 8,437,000 | 8,146,000 |
| Risk-weighted assets | 35,754,000 | 37,336,000 | 38,691,000 | 39,620,000 |