Call reports 2023
BANK OF GIBSON CITY — 2023
What BANK OF GIBSON CITY reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 136,961,000 | 138,508,000 | 136,870,000 | 142,198,000 |
| Total loans | 88,329,000 | 92,068,000 | 88,889,000 | 90,686,000 |
| Allowance for loan losses | 770,000 | 732,000 | 850,000 | 850,000 |
| Securities available for sale | 32,129,000 | 31,336,000 | 31,103,000 | 30,183,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,967,000 | 112,988,000 | 115,841,000 | 115,053,000 |
| Interest-bearing deposits | 81,738,000 | 88,092,000 | 89,073,000 | 88,900,000 |
| Noninterest-bearing deposits | 26,229,000 | 24,896,000 | 26,768,000 | 26,153,000 |
| Equity capital | 12,770,000 | 12,670,000 | 12,676,000 | 13,319,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,158,000 | 2,401,000 | 3,719,000 | 5,122,000 |
| Interest expense | 253,000 | 641,000 | 1,139,000 | 1,715,000 |
| Net interest income | 905,000 | 1,760,000 | 2,580,000 | 3,407,000 |
| Noninterest income | 107,000 | 204,000 | 357,000 | 538,000 |
| Noninterest expense | 511,000 | 1,023,000 | 1,552,000 | 2,126,000 |
| Provision for loan losses | 30,000 | 138,000 | 153,000 | 155,000 |
| Pretax income | 471,000 | 803,000 | 1,232,000 | 1,664,000 |
| Income tax | 110,000 | 180,000 | 264,000 | 337,000 |
| Net income | 361,000 | 623,000 | 968,000 | 1,327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,047,000 | 11,108,000 | 11,211,000 | 11,305,000 |
| Total capital | 11,817,000 | 11,838,000 | 12,061,000 | 12,155,000 |
| Risk-weighted assets | 95,271,000 | 98,543,000 | 101,111,000 | 96,596,000 |