Call reports 2007
GERBER STATE BANK, THE — 2007
What GERBER STATE BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 47,154,000 | 48,100,000 | 48,953,000 | 48,452,000 |
| Total loans | 23,105,000 | 23,779,000 | 24,848,000 | 25,490,000 |
| Allowance for loan losses | 189,000 | 293,000 | 225,000 | 221,000 |
| Securities available for sale | 9,703,000 | 9,280,000 | 11,654,000 | 12,717,000 |
| Securities held to maturity | 12,477,000 | 12,258,000 | 9,879,000 | 8,955,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,621,000 | 40,390,000 | 40,800,000 | 40,384,000 |
| Interest-bearing deposits | 36,602,000 | 36,172,000 | 37,403,000 | 36,265,000 |
| Noninterest-bearing deposits | 3,019,000 | 4,218,000 | 3,397,000 | 4,119,000 |
| Equity capital | 6,657,000 | 6,904,000 | 7,192,000 | 7,299,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 673,000 | 1,345,000 | 2,053,000 | 2,778,000 |
| Interest expense | 278,000 | 561,000 | 859,000 | 1,157,000 |
| Net interest income | 395,000 | 784,000 | 1,194,000 | 1,621,000 |
| Noninterest income | 49,000 | 211,000 | 392,000 | 459,000 |
| Noninterest expense | 368,000 | 724,000 | 1,079,000 | 1,423,000 |
| Provision for loan losses | -100,000 | -300,000 | -382,000 | -382,000 |
| Pretax income | 176,000 | 571,000 | 889,000 | 1,039,000 |
| Income tax | 32,000 | 161,000 | 253,000 | 288,000 |
| Net income | 144,000 | 410,000 | 636,000 | 751,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,721,000 | 6,988,000 | 7,225,000 | 7,253,000 |
| Total capital | 6,910,000 | 7,281,000 | 7,450,000 | 7,474,000 |
| Risk-weighted assets | 26,275,000 | 27,323,000 | 28,273,000 | 27,708,000 |
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