Call reports 2005
GERBER STATE BANK, THE — 2005
What GERBER STATE BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 52,137,000 | 50,408,000 | 50,262,000 | 50,543,000 |
| Total loans | 19,662,000 | 19,695,000 | 19,885,000 | 20,587,000 |
| Allowance for loan losses | 358,000 | 349,000 | 314,000 | 318,000 |
| Securities available for sale | 11,776,000 | 11,345,000 | 11,111,000 | 11,178,000 |
| Securities held to maturity | 18,038,000 | 17,579,000 | 17,529,000 | 17,667,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,485,000 | 39,820,000 | 40,348,000 | 40,891,000 |
| Interest-bearing deposits | 40,453,000 | 36,862,000 | 37,836,000 | 37,757,000 |
| Noninterest-bearing deposits | 3,032,000 | 2,958,000 | 2,512,000 | 3,134,000 |
| Equity capital | 8,284,000 | 8,440,000 | 8,499,000 | 8,598,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 627,000 | 1,219,000 | 1,829,000 | 2,455,000 |
| Interest expense | 191,000 | 386,000 | 606,000 | 833,000 |
| Net interest income | 436,000 | 833,000 | 1,223,000 | 1,622,000 |
| Noninterest income | 56,000 | 114,000 | 171,000 | 234,000 |
| Noninterest expense | 327,000 | 680,000 | 1,026,000 | 1,413,000 |
| Provision for loan losses | -44,000 | -44,000 | -69,000 | -69,000 |
| Pretax income | 200,000 | 307,000 | 432,000 | 508,000 |
| Income tax | 49,000 | 67,000 | 91,000 | 20,000 |
| Net income | 151,000 | 240,000 | 341,000 | 488,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,418,000 | 8,507,000 | 8,609,000 | 8,756,000 |
| Total capital | 8,719,000 | 8,798,000 | 8,913,000 | 8,970,000 |
| Risk-weighted assets | 24,052,000 | 23,198,000 | 24,603,000 | 26,246,000 |
Machine access — free, no API key
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