Call reports 2020
BANK OF GIBSON CITY — 2020
What BANK OF GIBSON CITY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 91,383,000 | 102,297,000 | 105,373,000 | 107,994,000 |
| Total loans | 56,345,000 | 62,072,000 | 64,154,000 | 66,538,000 |
| Allowance for loan losses | 533,000 | 648,000 | 662,000 | 708,000 |
| Securities available for sale | 14,826,000 | 19,576,000 | 18,228,000 | 18,885,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,668,000 | 75,941,000 | 76,510,000 | 78,124,000 |
| Interest-bearing deposits | 58,918,000 | 59,930,000 | 60,480,000 | 58,032,000 |
| Noninterest-bearing deposits | 14,750,000 | 16,011,000 | 16,030,000 | 20,092,000 |
| Equity capital | 10,581,000 | 10,923,000 | 11,305,000 | 11,577,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 897,000 | 1,814,000 | 2,789,000 | 3,704,000 |
| Interest expense | 161,000 | 282,000 | 397,000 | 502,000 |
| Net interest income | 736,000 | 1,532,000 | 2,392,000 | 3,202,000 |
| Noninterest income | 59,000 | 90,000 | 188,000 | 240,000 |
| Noninterest expense | 443,000 | 872,000 | 1,325,000 | 1,818,000 |
| Provision for loan losses | 16,000 | 162,000 | 175,000 | 225,000 |
| Pretax income | 336,000 | 588,000 | 1,080,000 | 1,399,000 |
| Income tax | 80,000 | 165,000 | 278,000 | 309,000 |
| Net income | 256,000 | 423,000 | 802,000 | 1,090,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,513,000 | 7,531,000 | 7,909,000 | 7,807,000 |
| Total capital | 8,046,000 | 8,179,000 | 8,571,000 | 8,515,000 |
| Risk-weighted assets | 59,005,000 | 64,465,000 | 67,180,000 | 71,042,000 |