Call reports 2016
BANK OF GIBSON CITY — 2016
What BANK OF GIBSON CITY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 74,316,000 | 73,396,000 | 79,383,000 | 77,495,000 |
| Total loans | 42,758,000 | 43,161,000 | 44,862,000 | 45,633,000 |
| Allowance for loan losses | 536,000 | 528,000 | 519,000 | 503,000 |
| Securities available for sale | 18,029,000 | 18,629,000 | 18,660,000 | 20,677,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,922,000 | 60,460,000 | 61,298,000 | 60,696,000 |
| Interest-bearing deposits | 50,003,000 | 49,564,000 | 50,498,000 | 49,082,000 |
| Noninterest-bearing deposits | 10,919,000 | 10,896,000 | 10,800,000 | 11,614,000 |
| Equity capital | 9,445,000 | 9,509,000 | 9,560,000 | 9,402,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 567,000 | 1,138,000 | 1,734,000 | 2,364,000 |
| Interest expense | 53,000 | 106,000 | 161,000 | 219,000 |
| Net interest income | 514,000 | 1,032,000 | 1,573,000 | 2,145,000 |
| Noninterest income | 64,000 | 124,000 | 188,000 | 251,000 |
| Noninterest expense | 341,000 | 694,000 | 1,044,000 | 1,399,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 237,000 | 462,000 | 717,000 | 997,000 |
| Income tax | 71,000 | 144,000 | 225,000 | 315,000 |
| Net income | 166,000 | 318,000 | 492,000 | 682,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,336,000 | 6,369,000 | 6,428,000 | 6,479,000 |
| Total capital | 6,872,000 | 6,897,000 | 6,947,000 | 6,982,000 |
| Risk-weighted assets | 43,977,000 | 44,180,000 | 45,544,000 | 44,584,000 |