Call reports 2002
GERBER STATE BANK, THE — 2002
What GERBER STATE BANK, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 43,590,000 | 43,780,000 | 44,655,000 | 48,039,000 |
| Total loans | 19,838,000 | 20,041,000 | 19,906,000 | 20,395,000 |
| Allowance for loan losses | 553,000 | 574,000 | 483,000 | 455,000 |
| Securities available for sale | 10,586,000 | 10,447,000 | 12,504,000 | 14,852,000 |
| Securities held to maturity | 10,950,000 | 11,093,000 | 10,585,000 | 10,624,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,854,000 | 34,489,000 | 35,232,000 | 38,394,000 |
| Interest-bearing deposits | 32,581,000 | 32,164,000 | 32,923,000 | 35,521,000 |
| Noninterest-bearing deposits | 2,273,000 | 2,325,000 | 2,309,000 | 2,873,000 |
| Equity capital | 8,105,000 | 8,343,000 | 8,583,000 | 8,727,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 705,000 | 1,396,000 | 2,108,000 | 2,810,000 |
| Interest expense | 296,000 | 578,000 | 856,000 | 1,128,000 |
| Net interest income | 409,000 | 818,000 | 1,252,000 | 1,682,000 |
| Noninterest income | 88,000 | 150,000 | 212,000 | 273,000 |
| Noninterest expense | 280,000 | 562,000 | 864,000 | 1,202,000 |
| Provision for loan losses | 30,000 | 86,000 | 85,000 | 85,000 |
| Pretax income | 187,000 | 320,000 | 516,000 | 670,000 |
| Income tax | 45,000 | 74,000 | 125,000 | 160,000 |
| Net income | 142,000 | 246,000 | 391,000 | 510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,086,000 | 8,191,000 | 8,336,000 | 8,454,000 |
| Total capital | 8,639,000 | 8,746,000 | 8,819,000 | 8,909,000 |
| Risk-weighted assets | 44,682,000 | 44,345,000 | 45,400,000 | 49,441,000 |
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