Call reports 2013
BANK OF GIBSON CITY — 2013
What BANK OF GIBSON CITY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 74,090,000 | 71,300,000 | 74,855,000 | 72,463,000 |
| Total loans | 41,299,000 | 41,156,000 | 45,597,000 | 46,089,000 |
| Allowance for loan losses | 534,000 | 544,000 | 543,000 | 571,000 |
| Securities available for sale | 13,233,000 | 17,042,000 | 17,221,000 | 17,764,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,380,000 | 59,956,000 | 59,410,000 | 57,598,000 |
| Interest-bearing deposits | 52,328,000 | 50,817,000 | 50,006,000 | 47,604,000 |
| Noninterest-bearing deposits | 10,052,000 | 9,139,000 | 9,404,000 | 9,994,000 |
| Equity capital | 9,000,000 | 8,788,000 | 8,785,000 | 8,969,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 529,000 | 1,071,000 | 1,627,000 | 2,214,000 |
| Interest expense | 62,000 | 117,000 | 172,000 | 225,000 |
| Net interest income | 467,000 | 954,000 | 1,455,000 | 1,989,000 |
| Noninterest income | 64,000 | 124,000 | 188,000 | 249,000 |
| Noninterest expense | 322,000 | 660,000 | 982,000 | 1,312,000 |
| Provision for loan losses | 7,000 | 160,000 | 241,000 | 269,000 |
| Pretax income | 202,000 | 258,000 | 420,000 | 657,000 |
| Income tax | 69,000 | 89,000 | 147,000 | 241,000 |
| Net income | 133,000 | 169,000 | 273,000 | 416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,956,000 | 5,882,000 | 5,882,000 | 6,024,000 |
| Total capital | 6,447,000 | 6,378,000 | 6,425,000 | 6,572,000 |
| Risk-weighted assets | 39,276,000 | 39,653,000 | 43,736,000 | 43,865,000 |