Call reports 2009
GERBER STATE BANK, THE — 2009
What GERBER STATE BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 53,633,000 | 53,919,000 | 59,233,000 | 60,599,000 |
| Total loans | 25,109,000 | 25,177,000 | 25,512,000 | 28,019,000 |
| Allowance for loan losses | 232,000 | 230,000 | 241,000 | 245,000 |
| Securities available for sale | 18,497,000 | 18,168,000 | 20,110,000 | 21,073,000 |
| Securities held to maturity | 6,240,000 | 6,142,000 | 5,785,000 | 5,565,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,269,000 | 46,565,000 | 51,608,000 | 51,685,000 |
| Interest-bearing deposits | 41,633,000 | 42,970,000 | 48,078,000 | 46,543,000 |
| Noninterest-bearing deposits | 3,635,000 | 3,595,000 | 3,530,000 | 5,142,000 |
| Equity capital | 6,873,000 | 6,924,000 | 7,115,000 | 6,991,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 660,000 | 1,303,000 | 1,960,000 | 2,614,000 |
| Interest expense | 237,000 | 468,000 | 683,000 | 889,000 |
| Net interest income | 423,000 | 835,000 | 1,277,000 | 1,725,000 |
| Noninterest income | 48,000 | 101,000 | 155,000 | 172,000 |
| Noninterest expense | 341,000 | 665,000 | 1,034,000 | 1,405,000 |
| Provision for loan losses | 0 | 0 | 0 | 255,000 |
| Pretax income | 130,000 | 271,000 | 398,000 | 237,000 |
| Income tax | 17,000 | 55,000 | 88,000 | 31,000 |
| Net income | 113,000 | 216,000 | 310,000 | 206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,495,000 | 6,599,000 | 6,693,000 | 6,588,000 |
| Total capital | 6,727,000 | 6,830,000 | 6,934,000 | 6,833,000 |
| Risk-weighted assets | 29,255,000 | 29,309,000 | 30,270,000 | 35,481,000 |
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