Call reports 2021
BANK OF GIBSON CITY — 2021
What BANK OF GIBSON CITY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 112,923,000 | 121,016,000 | 124,764,000 | 127,923,000 |
| Total loans | 61,213,000 | 63,342,000 | 63,851,000 | 70,459,000 |
| Allowance for loan losses | 734,000 | 727,000 | 712,000 | 722,000 |
| Securities available for sale | 20,576,000 | 21,282,000 | 23,398,000 | 32,288,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,714,000 | 93,862,000 | 96,811,000 | 99,836,000 |
| Interest-bearing deposits | 64,454,000 | 72,763,000 | 74,981,000 | 74,134,000 |
| Noninterest-bearing deposits | 21,260,000 | 21,099,000 | 21,830,000 | 25,702,000 |
| Equity capital | 11,799,000 | 12,332,000 | 12,717,000 | 12,866,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 842,000 | 1,650,000 | 2,554,000 | 3,377,000 |
| Interest expense | 94,000 | 179,000 | 261,000 | 340,000 |
| Net interest income | 748,000 | 1,471,000 | 2,293,000 | 3,037,000 |
| Noninterest income | 91,000 | 171,000 | 344,000 | 485,000 |
| Noninterest expense | 426,000 | 880,000 | 1,357,000 | 1,871,000 |
| Provision for loan losses | 15,000 | 20,000 | 25,000 | 40,000 |
| Pretax income | 398,000 | 742,000 | 1,255,000 | 1,611,000 |
| Income tax | 93,000 | 172,000 | 292,000 | 362,000 |
| Net income | 305,000 | 570,000 | 963,000 | 1,249,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,170,000 | 8,823,000 | 9,264,000 | 9,566,000 |
| Total capital | 8,904,000 | 9,550,000 | 9,976,000 | 10,288,000 |
| Risk-weighted assets | 66,653,000 | 67,006,000 | 70,931,000 | 77,527,000 |