Call reports 2015
GERBER STATE BANK, THE — 2015
What GERBER STATE BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 79,605,000 | 75,788,000 | 79,263,000 | 76,479,000 |
| Total loans | 26,825,000 | 25,670,000 | 25,625,000 | 27,716,000 |
| Allowance for loan losses | 281,000 | 263,000 | 249,000 | 264,000 |
| Securities available for sale | 31,194,000 | 28,916,000 | 31,027,000 | 29,335,000 |
| Securities held to maturity | 12,769,000 | 12,573,000 | 12,533,000 | 11,431,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,490,000 | 66,549,000 | 70,821,000 | 68,186,000 |
| Interest-bearing deposits | 61,747,000 | 60,175,000 | 65,091,000 | 61,206,000 |
| Noninterest-bearing deposits | 6,743,000 | 6,374,000 | 5,730,000 | 6,980,000 |
| Equity capital | 8,059,000 | 8,019,000 | 8,218,000 | 8,218,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 568,000 | 1,118,000 | 1,672,000 | 2,227,000 |
| Interest expense | 73,000 | 145,000 | 218,000 | 291,000 |
| Net interest income | 495,000 | 973,000 | 1,454,000 | 1,936,000 |
| Noninterest income | 50,000 | 100,000 | 151,000 | 207,000 |
| Noninterest expense | 403,000 | 777,000 | 1,150,000 | 1,602,000 |
| Provision for loan losses | 15,000 | 20,000 | 35,000 | 55,000 |
| Pretax income | 127,000 | 276,000 | 420,000 | 486,000 |
| Income tax | 6,000 | 13,000 | 19,000 | 26,000 |
| Net income | 121,000 | 263,000 | 401,000 | 460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,046,000 | 8,108,000 | 8,215,000 | 8,273,000 |
| Total capital | 8,327,000 | 8,371,000 | 8,464,000 | 8,537,000 |
| Risk-weighted assets | 30,659,000 | 28,648,000 | 28,455,000 | 36,065,000 |