Call reports 2010
BANK OF GIBSON CITY — 2010
What BANK OF GIBSON CITY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 78,520,000 | 69,338,000 | 74,056,000 | 68,731,000 |
| Total loans | 43,706,000 | 43,216,000 | 43,376,000 | 43,437,000 |
| Allowance for loan losses | 483,000 | 739,000 | 525,000 | 509,000 |
| Securities available for sale | 18,088,000 | 15,082,000 | 13,578,000 | 13,547,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,119,000 | 58,331,000 | 61,544,000 | 58,207,000 |
| Interest-bearing deposits | 52,387,000 | 51,637,000 | 54,526,000 | 50,536,000 |
| Noninterest-bearing deposits | 14,732,000 | 6,694,000 | 7,018,000 | 7,671,000 |
| Equity capital | 8,199,000 | 8,127,000 | 8,758,000 | 8,970,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 687,000 | 1,409,000 | 2,101,000 | 2,801,000 |
| Interest expense | 198,000 | 383,000 | 557,000 | 695,000 |
| Net interest income | 489,000 | 1,026,000 | 1,544,000 | 2,106,000 |
| Noninterest income | 95,000 | 253,000 | 238,000 | 309,000 |
| Noninterest expense | 380,000 | 649,000 | 1,246,000 | 1,523,000 |
| Provision for loan losses | 6,000 | 370,000 | 162,000 | 169,000 |
| Pretax income | 198,000 | 260,000 | 374,000 | 723,000 |
| Income tax | 57,000 | 76,000 | 125,000 | 191,000 |
| Net income | 141,000 | 184,000 | 249,000 | 532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,126,000 | 5,011,000 | 5,633,000 | 5,863,000 |
| Total capital | 5,609,000 | 5,553,000 | 6,158,000 | 6,372,000 |
| Risk-weighted assets | 41,384,000 | 43,157,000 | 43,490,000 | 42,301,000 |