Call reports 2019
BANK OF GIBSON CITY — 2019
What BANK OF GIBSON CITY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 82,558,000 | 82,786,000 | 86,279,000 | 90,742,000 |
| Total loans | 53,202,000 | 53,092,000 | 52,121,000 | 52,876,000 |
| Allowance for loan losses | 480,000 | 491,000 | 500,000 | 514,000 |
| Securities available for sale | 14,537,000 | 15,230,000 | 14,324,000 | 12,852,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,081,000 | 67,137,000 | 68,285,000 | 72,293,000 |
| Interest-bearing deposits | 51,949,000 | 53,559,000 | 56,001,000 | 57,583,000 |
| Noninterest-bearing deposits | 14,132,000 | 13,578,000 | 12,284,000 | 14,710,000 |
| Equity capital | 10,060,000 | 10,320,000 | 10,433,000 | 10,524,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 804,000 | 1,628,000 | 2,505,000 | 3,364,000 |
| Interest expense | 141,000 | 283,000 | 434,000 | 603,000 |
| Net interest income | 663,000 | 1,345,000 | 2,071,000 | 2,761,000 |
| Noninterest income | 62,000 | 122,000 | 183,000 | 277,000 |
| Noninterest expense | 392,000 | 801,000 | 1,204,000 | 1,665,000 |
| Provision for loan losses | 26,000 | 37,000 | 115,000 | 149,000 |
| Pretax income | 307,000 | 629,000 | 935,000 | 1,224,000 |
| Income tax | 79,000 | 160,000 | 224,000 | 295,000 |
| Net income | 228,000 | 469,000 | 711,000 | 929,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,672,000 | 6,781,000 | 6,723,000 | 6,799,000 |
| Total capital | 7,152,000 | 7,272,000 | 7,223,000 | 7,313,000 |
| Risk-weighted assets | 54,752,000 | 55,986,000 | 54,686,000 | 54,081,000 |