Call reports 2012
GERBER STATE BANK, THE — 2012
What GERBER STATE BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 74,451,000 | 71,355,000 | 73,890,000 | 74,890,000 |
| Total loans | 24,042,000 | 24,789,000 | 24,798,000 | 26,011,000 |
| Allowance for loan losses | 210,000 | 234,000 | 232,000 | 217,000 |
| Securities available for sale | 31,018,000 | 29,471,000 | 29,628,000 | 29,290,000 |
| Securities held to maturity | 10,296,000 | 10,173,000 | 11,098,000 | 11,528,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,487,000 | 63,203,000 | 65,549,000 | 66,589,000 |
| Interest-bearing deposits | 60,857,000 | 57,945,000 | 61,251,000 | 60,281,000 |
| Noninterest-bearing deposits | 5,631,000 | 5,259,000 | 4,298,000 | 6,308,000 |
| Equity capital | 7,398,000 | 7,563,000 | 7,693,000 | 7,732,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 594,000 | 1,196,000 | 1,765,000 | 2,330,000 |
| Interest expense | 107,000 | 208,000 | 308,000 | 408,000 |
| Net interest income | 487,000 | 988,000 | 1,457,000 | 1,922,000 |
| Noninterest income | 53,000 | 95,000 | 151,000 | 218,000 |
| Noninterest expense | 364,000 | 712,000 | 1,066,000 | 1,423,000 |
| Provision for loan losses | 0 | 20,000 | 20,000 | 40,000 |
| Pretax income | 176,000 | 351,000 | 522,000 | 677,000 |
| Income tax | 46,000 | 85,000 | 130,000 | 166,000 |
| Net income | 130,000 | 266,000 | 392,000 | 511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,973,000 | 7,108,000 | 7,214,000 | 7,327,000 |
| Total capital | 7,183,000 | 7,342,000 | 7,446,000 | 7,544,000 |
| Risk-weighted assets | 34,837,000 | 35,750,000 | 37,965,000 | 38,987,000 |