Call reports 2008
BANK OF GIBSON CITY — 2008
What BANK OF GIBSON CITY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 65,930,000 | 63,326,000 | 63,879,000 | 66,816,000 |
| Total loans | 33,265,000 | 33,953,000 | 38,848,000 | 38,498,000 |
| Allowance for loan losses | 455,000 | 466,000 | 457,000 | 426,000 |
| Securities available for sale | 25,687,000 | 24,153,000 | 20,155,000 | 16,264,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,894,000 | 54,250,000 | 53,361,000 | 54,650,000 |
| Interest-bearing deposits | 50,752,000 | 47,621,000 | 46,490,000 | 46,786,000 |
| Noninterest-bearing deposits | 7,142,000 | 6,629,000 | 6,871,000 | 7,864,000 |
| Equity capital | 5,414,000 | 5,361,000 | 5,450,000 | 8,371,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 799,000 | 1,553,000 | 2,318,000 | 3,075,000 |
| Interest expense | 395,000 | 738,000 | 1,045,000 | 1,339,000 |
| Net interest income | 404,000 | 815,000 | 1,273,000 | 1,736,000 |
| Noninterest income | 127,000 | 251,000 | 366,000 | 476,000 |
| Noninterest expense | 328,000 | 662,000 | 1,011,000 | 1,362,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 203,000 | 404,000 | 628,000 | 850,000 |
| Income tax | 61,000 | 121,000 | 188,000 | 251,000 |
| Net income | 142,000 | 283,000 | 440,000 | 599,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,232,000 | 5,273,000 | 5,330,000 | 5,218,000 |
| Total capital | 5,654,000 | 5,709,000 | 5,787,000 | 5,644,000 |
| Risk-weighted assets | 33,713,000 | 34,857,000 | 39,131,000 | 39,571,000 |