Call reports 2003
GERBER STATE BANK, THE — 2003
What GERBER STATE BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 48,547,000 | 48,237,000 | 49,426,000 | 50,705,000 |
| Total loans | 18,699,000 | 18,803,000 | 19,197,000 | 19,031,000 |
| Allowance for loan losses | 406,000 | 400,000 | 401,000 | 377,000 |
| Securities available for sale | 14,374,000 | 15,569,000 | 16,522,000 | 17,003,000 |
| Securities held to maturity | 11,134,000 | 11,754,000 | 11,339,000 | 11,858,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,488,000 | 38,498,000 | 40,321,000 | 40,998,000 |
| Interest-bearing deposits | 36,518,000 | 36,247,000 | 37,732,000 | 38,225,000 |
| Noninterest-bearing deposits | 2,970,000 | 2,251,000 | 2,589,000 | 2,773,000 |
| Equity capital | 8,467,000 | 8,581,000 | 8,516,000 | 8,593,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 669,000 | 1,305,000 | 1,930,000 | 2,562,000 |
| Interest expense | 253,000 | 485,000 | 704,000 | 917,000 |
| Net interest income | 416,000 | 820,000 | 1,226,000 | 1,645,000 |
| Noninterest income | 64,000 | 136,000 | 193,000 | 249,000 |
| Noninterest expense | 342,000 | 688,000 | 1,045,000 | 1,378,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 0 |
| Pretax income | 138,000 | 269,000 | 355,000 | 516,000 |
| Income tax | 30,000 | 56,000 | 67,000 | 102,000 |
| Net income | 108,000 | 213,000 | 288,000 | 414,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,215,000 | 8,325,000 | 8,400,000 | 8,526,000 |
| Total capital | 8,621,000 | 8,725,000 | 8,801,000 | 8,821,000 |
| Risk-weighted assets | 49,033,000 | 48,695,000 | 50,053,000 | 23,527,000 |
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