Call reports 2014
BANK OF GIBSON CITY — 2014
What BANK OF GIBSON CITY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 75,202,000 | 74,007,000 | 78,696,000 | 76,272,000 |
| Total loans | 48,607,000 | 45,963,000 | 44,715,000 | 44,386,000 |
| Allowance for loan losses | 580,000 | 580,000 | 568,000 | 561,000 |
| Securities available for sale | 17,722,000 | 19,767,000 | 19,721,000 | 19,146,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,958,000 | 60,595,000 | 59,185,000 | 60,121,000 |
| Interest-bearing deposits | 51,002,000 | 50,518,000 | 49,799,000 | 49,730,000 |
| Noninterest-bearing deposits | 10,956,000 | 10,077,000 | 9,386,000 | 10,391,000 |
| Equity capital | 9,017,000 | 9,074,000 | 9,152,000 | 9,210,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 579,000 | 1,150,000 | 1,748,000 | 2,335,000 |
| Interest expense | 51,000 | 100,000 | 150,000 | 199,000 |
| Net interest income | 528,000 | 1,050,000 | 1,598,000 | 2,136,000 |
| Noninterest income | 59,000 | 117,000 | 180,000 | 242,000 |
| Noninterest expense | 327,000 | 668,000 | 1,007,000 | 1,354,000 |
| Provision for loan losses | 11,000 | 11,000 | 1,000 | 1,000 |
| Pretax income | 249,000 | 488,000 | 770,000 | 1,023,000 |
| Income tax | 94,000 | 188,000 | 269,000 | 346,000 |
| Net income | 155,000 | 300,000 | 501,000 | 677,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,073,000 | 6,103,000 | 6,182,000 | 6,218,000 |
| Total capital | 6,650,000 | 6,677,000 | 6,725,000 | 6,754,000 |
| Risk-weighted assets | 46,232,000 | 45,914,000 | 43,405,000 | 42,896,000 |