Call reports 2011
BANK OF GIBSON CITY — 2011
What BANK OF GIBSON CITY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 69,849,000 | 69,685,000 | 67,910,000 | 66,815,000 |
| Total loans | 41,045,000 | 41,731,000 | 40,691,000 | 40,270,000 |
| Allowance for loan losses | 511,000 | 509,000 | 514,000 | 516,000 |
| Securities available for sale | 15,894,000 | 16,397,000 | 15,377,000 | 14,262,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,590,000 | 57,719,000 | 56,271,000 | 56,051,000 |
| Interest-bearing deposits | 50,969,000 | 50,349,000 | 49,006,000 | 47,668,000 |
| Noninterest-bearing deposits | 7,621,000 | 7,370,000 | 7,265,000 | 8,383,000 |
| Equity capital | 8,992,000 | 8,592,000 | 8,714,000 | 8,828,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 592,000 | 1,193,000 | 1,789,000 | 2,377,000 |
| Interest expense | 113,000 | 213,000 | 304,000 | 386,000 |
| Net interest income | 479,000 | 980,000 | 1,485,000 | 1,991,000 |
| Noninterest income | 76,000 | 135,000 | 194,000 | 250,000 |
| Noninterest expense | 368,000 | 803,000 | 1,181,000 | 1,562,000 |
| Provision for loan losses | 6,000 | 553,000 | 557,000 | 557,000 |
| Pretax income | 181,000 | -241,000 | -59,000 | 122,000 |
| Income tax | 61,000 | -82,000 | -21,000 | 32,000 |
| Net income | 120,000 | -159,000 | -38,000 | 90,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,889,000 | 5,508,000 | 5,628,000 | 5,757,000 |
| Total capital | 6,384,000 | 6,001,000 | 6,113,000 | 6,234,000 |
| Risk-weighted assets | 39,548,000 | 39,946,000 | 38,791,000 | 38,102,000 |