Call reports 2015
BANK OF GIBSON CITY — 2015
What BANK OF GIBSON CITY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 75,003,000 | 74,775,000 | 77,611,000 | 77,749,000 |
| Total loans | 41,670,000 | 42,442,000 | 43,388,000 | 43,702,000 |
| Allowance for loan losses | 542,000 | 548,000 | 549,000 | 550,000 |
| Securities available for sale | 19,176,000 | 18,643,000 | 19,106,000 | 19,018,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,104,000 | 60,914,000 | 60,019,000 | 61,825,000 |
| Interest-bearing deposits | 50,782,000 | 50,560,000 | 49,979,000 | 50,020,000 |
| Noninterest-bearing deposits | 10,322,000 | 10,354,000 | 10,040,000 | 11,805,000 |
| Equity capital | 9,259,000 | 9,289,000 | 9,341,000 | 9,376,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 529,000 | 1,069,000 | 1,634,000 | 2,221,000 |
| Interest expense | 49,000 | 99,000 | 150,000 | 203,000 |
| Net interest income | 480,000 | 970,000 | 1,484,000 | 2,018,000 |
| Noninterest income | 62,000 | 122,000 | 183,000 | 250,000 |
| Noninterest expense | 328,000 | 674,000 | 1,015,000 | 1,369,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 214,000 | 418,000 | 652,000 | 899,000 |
| Income tax | 64,000 | 132,000 | 212,000 | 285,000 |
| Net income | 150,000 | 286,000 | 440,000 | 614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,145,000 | 6,171,000 | 6,264,000 | 6,319,000 |
| Total capital | 6,656,000 | 6,690,000 | 6,811,000 | 6,869,000 |
| Risk-weighted assets | 40,908,000 | 41,499,000 | 43,738,000 | 44,788,000 |