Call reports 2013
GERBER STATE BANK, THE — 2013
What GERBER STATE BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 81,632,000 | 78,101,000 | 83,015,000 | 81,436,000 |
| Total loans | 22,964,000 | 23,497,000 | 23,927,000 | 26,863,000 |
| Allowance for loan losses | 260,000 | 254,000 | 246,000 | 208,000 |
| Securities available for sale | 36,268,000 | 35,536,000 | 34,007,000 | 31,206,000 |
| Securities held to maturity | 11,712,000 | 12,025,000 | 13,052,000 | 13,155,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,592,000 | 70,896,000 | 75,783,000 | 74,318,000 |
| Interest-bearing deposits | 66,535,000 | 64,483,000 | 69,844,000 | 66,414,000 |
| Noninterest-bearing deposits | 7,057,000 | 6,413,000 | 5,939,000 | 7,904,000 |
| Equity capital | 7,636,000 | 7,091,000 | 7,087,000 | 7,010,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 540,000 | 1,089,000 | 1,640,000 | 2,193,000 |
| Interest expense | 98,000 | 193,000 | 288,000 | 378,000 |
| Net interest income | 442,000 | 896,000 | 1,352,000 | 1,815,000 |
| Noninterest income | 51,000 | 104,000 | 165,000 | 241,000 |
| Noninterest expense | 349,000 | 703,000 | 1,066,000 | 1,432,000 |
| Provision for loan losses | 35,000 | 35,000 | 35,000 | 65,000 |
| Pretax income | 109,000 | 262,000 | 416,000 | 559,000 |
| Income tax | 0 | 1,000 | 2,000 | 2,000 |
| Net income | 109,000 | 261,000 | 414,000 | 557,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,294,000 | 7,367,000 | 7,479,000 | 7,622,000 |
| Total capital | 7,554,000 | 7,621,000 | 7,725,000 | 7,830,000 |
| Risk-weighted assets | 39,373,000 | 36,275,000 | 38,462,000 | 40,235,000 |