Call reports 2012
BANK OF GIBSON CITY — 2012
What BANK OF GIBSON CITY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 69,327,000 | 71,843,000 | 74,173,000 | 76,904,000 |
| Total loans | 38,254,000 | 39,830,000 | 42,360,000 | 43,167,000 |
| Allowance for loan losses | 523,000 | 501,000 | 512,000 | 530,000 |
| Securities available for sale | 15,853,000 | 14,395,000 | 12,610,000 | 11,765,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,098,000 | 59,710,000 | 58,808,000 | 63,594,000 |
| Interest-bearing deposits | 50,300,000 | 51,434,000 | 50,585,000 | 50,311,000 |
| Noninterest-bearing deposits | 7,798,000 | 8,276,000 | 8,223,000 | 13,283,000 |
| Equity capital | 8,905,000 | 8,992,000 | 9,002,000 | 9,006,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 539,000 | 1,105,000 | 1,672,000 | 2,268,000 |
| Interest expense | 78,000 | 154,000 | 227,000 | 295,000 |
| Net interest income | 461,000 | 951,000 | 1,445,000 | 1,973,000 |
| Noninterest income | 77,000 | 146,000 | 217,000 | 282,000 |
| Noninterest expense | 365,000 | 715,000 | 1,066,000 | 1,420,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 33,000 |
| Pretax income | 167,000 | 370,000 | 578,000 | 802,000 |
| Income tax | 56,000 | 110,000 | 181,000 | 261,000 |
| Net income | 111,000 | 260,000 | 397,000 | 541,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,869,000 | 5,931,000 | 5,936,000 | 5,953,000 |
| Total capital | 6,323,000 | 6,411,000 | 6,444,000 | 6,466,000 |
| Risk-weighted assets | 36,246,000 | 38,360,000 | 40,634,000 | 41,041,000 |