Call reports 2008
GERBER STATE BANK, THE — 2008
What GERBER STATE BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 52,082,000 | 50,175,000 | 53,254,000 | 53,190,000 |
| Total loans | 23,553,000 | 23,356,000 | 24,492,000 | 25,257,000 |
| Allowance for loan losses | 220,000 | 287,000 | 238,000 | 236,000 |
| Securities available for sale | 14,241,000 | 14,392,000 | 16,690,000 | 18,529,000 |
| Securities held to maturity | 8,124,000 | 7,669,000 | 7,109,000 | 6,332,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,047,000 | 42,403,000 | 45,281,000 | 44,380,000 |
| Interest-bearing deposits | 40,286,000 | 39,075,000 | 42,061,000 | 40,719,000 |
| Noninterest-bearing deposits | 3,761,000 | 3,328,000 | 3,220,000 | 3,661,000 |
| Equity capital | 7,237,000 | 7,096,000 | 7,285,000 | 7,171,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 703,000 | 1,392,000 | 2,107,000 | 2,811,000 |
| Interest expense | 290,000 | 567,000 | 847,000 | 1,111,000 |
| Net interest income | 413,000 | 825,000 | 1,260,000 | 1,700,000 |
| Noninterest income | 59,000 | 122,000 | 184,000 | 267,000 |
| Noninterest expense | 333,000 | 682,000 | 1,043,000 | 2,495,000 |
| Provision for loan losses | -28,000 | -28,000 | -18,000 | -18,000 |
| Pretax income | 167,000 | 293,000 | 419,000 | -510,000 |
| Income tax | 31,000 | 62,000 | 94,000 | -235,000 |
| Net income | 136,000 | 231,000 | 325,000 | -275,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,092,000 | 7,177,000 | 7,272,000 | 6,669,000 |
| Total capital | 7,312,000 | 7,464,000 | 7,510,000 | 6,905,000 |
| Risk-weighted assets | 28,784,000 | 33,104,000 | 33,708,000 | 32,787,000 |
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