Call reports 2006
GERBER STATE BANK, THE — 2006
What GERBER STATE BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 49,450,000 | 49,527,000 | 50,677,000 | 48,886,000 |
| Total loans | 20,743,000 | 22,315,000 | 23,147,000 | 23,944,000 |
| Allowance for loan losses | 288,000 | 298,000 | 293,000 | 312,000 |
| Securities available for sale | 10,787,000 | 10,304,000 | 8,693,000 | 10,552,000 |
| Securities held to maturity | 16,386,000 | 15,565,000 | 14,873,000 | 12,760,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,706,000 | 38,936,000 | 40,750,000 | 39,804,000 |
| Interest-bearing deposits | 37,559,000 | 36,150,000 | 37,909,000 | 36,253,000 |
| Noninterest-bearing deposits | 3,147,000 | 2,786,000 | 2,841,000 | 3,551,000 |
| Equity capital | 8,348,000 | 8,424,000 | 8,605,000 | 8,693,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 631,000 | 1,292,000 | 1,946,000 | 2,646,000 |
| Interest expense | 229,000 | 475,000 | 742,000 | 1,023,000 |
| Net interest income | 402,000 | 817,000 | 1,204,000 | 1,623,000 |
| Noninterest income | 56,000 | 109,000 | 164,000 | 215,000 |
| Noninterest expense | 366,000 | 708,000 | 1,062,000 | 1,474,000 |
| Provision for loan losses | -34,000 | -75,000 | -81,000 | -81,000 |
| Pretax income | 126,000 | 293,000 | 388,000 | 446,000 |
| Income tax | 24,000 | 64,000 | 78,000 | 76,000 |
| Net income | 102,000 | 229,000 | 310,000 | 370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,509,000 | 8,638,000 | 8,717,000 | 8,776,000 |
| Total capital | 8,797,000 | 8,936,000 | 9,010,000 | 9,088,000 |
| Risk-weighted assets | 25,587,000 | 26,673,000 | 27,099,000 | 27,777,000 |
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