Call reports 2014
GERBER STATE BANK, THE — 2014
What GERBER STATE BANK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 81,859,000 | 80,735,000 | 82,893,000 | 79,621,000 |
| Total loans | 24,709,000 | 23,934,000 | 25,158,000 | 26,829,000 |
| Allowance for loan losses | 228,000 | 245,000 | 255,000 | 265,000 |
| Securities available for sale | 29,031,000 | 29,896,000 | 33,258,000 | 30,870,000 |
| Securities held to maturity | 12,383,000 | 15,058,000 | 14,258,000 | 13,178,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,422,000 | 73,149,000 | 73,866,000 | 69,866,000 |
| Interest-bearing deposits | 67,435,000 | 66,814,000 | 68,163,000 | 62,298,000 |
| Noninterest-bearing deposits | 6,987,000 | 6,335,000 | 5,703,000 | 7,568,000 |
| Equity capital | 7,316,000 | 7,516,000 | 7,461,000 | 7,847,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 556,000 | 1,096,000 | 1,636,000 | 2,225,000 |
| Interest expense | 80,000 | 157,000 | 239,000 | 319,000 |
| Net interest income | 476,000 | 939,000 | 1,397,000 | 1,906,000 |
| Noninterest income | 48,000 | 103,000 | 151,000 | 218,000 |
| Noninterest expense | 355,000 | 719,000 | 1,083,000 | 1,473,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 55,000 |
| Pretax income | 154,000 | 293,000 | 424,000 | 602,000 |
| Income tax | 1,000 | 6,000 | 13,000 | 19,000 |
| Net income | 153,000 | 287,000 | 411,000 | 583,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,725,000 | 7,758,000 | 7,838,000 | 8,010,000 |
| Total capital | 7,953,000 | 8,003,000 | 8,094,000 | 8,275,000 |
| Risk-weighted assets | 42,453,000 | 37,777,000 | 37,694,000 | 38,748,000 |