Call reports 2009
BANK OF GIBSON CITY — 2009
What BANK OF GIBSON CITY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 69,369,000 | 65,131,000 | 66,235,000 | 73,730,000 |
| Total loans | 38,085,000 | 36,828,000 | 40,392,000 | 41,490,000 |
| Allowance for loan losses | 408,000 | 451,000 | 429,000 | 425,000 |
| Securities available for sale | 19,791,000 | 18,200,000 | 15,144,000 | 18,156,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,447,000 | 53,955,000 | 54,325,000 | 62,446,000 |
| Interest-bearing deposits | 49,806,000 | 46,443,000 | 46,450,000 | 47,632,000 |
| Noninterest-bearing deposits | 7,641,000 | 7,512,000 | 7,875,000 | 14,814,000 |
| Equity capital | 8,308,000 | 8,323,000 | 8,333,000 | 8,236,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 696,000 | 1,399,000 | 2,084,000 | 2,788,000 |
| Interest expense | 265,000 | 424,000 | 629,000 | 826,000 |
| Net interest income | 431,000 | 975,000 | 1,455,000 | 1,962,000 |
| Noninterest income | 96,000 | 197,000 | 299,000 | 411,000 |
| Noninterest expense | 332,000 | 688,000 | 1,054,000 | 1,577,000 |
| Provision for loan losses | 0 | 0 | 0 | 7,000 |
| Pretax income | 195,000 | 484,000 | 700,000 | 789,000 |
| Income tax | 66,000 | 138,000 | 202,000 | 235,000 |
| Net income | 129,000 | 346,000 | 498,000 | 554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,196,000 | 5,195,000 | 5,205,000 | 5,125,000 |
| Total capital | 5,604,000 | 5,646,000 | 5,634,000 | 5,550,000 |
| Risk-weighted assets | 39,174,000 | 38,517,000 | 41,451,000 | 41,201,000 |