Call reports 2016
GERBER STATE BANK, THE — 2016
What GERBER STATE BANK, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 77,256,000 | 78,272,000 | 79,398,000 | 78,738,000 |
| Total loans | 26,594,000 | 26,341,000 | 27,042,000 | 29,798,000 |
| Allowance for loan losses | 282,000 | 302,000 | 310,000 | 334,000 |
| Securities available for sale | 29,582,000 | 33,094,000 | 36,322,000 | 35,142,000 |
| Securities held to maturity | 10,498,000 | 9,819,000 | 9,294,000 | 7,850,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,721,000 | 69,555,000 | 69,999,000 | 67,460,000 |
| Interest-bearing deposits | 62,129,000 | 63,332,000 | 64,345,000 | 60,575,000 |
| Noninterest-bearing deposits | 6,592,000 | 6,223,000 | 5,654,000 | 6,885,000 |
| Equity capital | 8,423,000 | 8,615,000 | 8,674,000 | 8,021,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 574,000 | 1,144,000 | 1,717,000 | 2,293,000 |
| Interest expense | 68,000 | 137,000 | 215,000 | 292,000 |
| Net interest income | 506,000 | 1,007,000 | 1,502,000 | 2,001,000 |
| Noninterest income | 33,000 | 86,000 | 140,000 | 210,000 |
| Noninterest expense | 446,000 | 903,000 | 1,286,000 | 1,646,000 |
| Provision for loan losses | 16,000 | 31,000 | 48,000 | 71,000 |
| Pretax income | 80,000 | 162,000 | 311,000 | 497,000 |
| Income tax | 0 | 2,000 | 2,000 | 2,000 |
| Net income | 80,000 | 160,000 | 309,000 | 495,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,273,000 | 8,320,000 | 8,415,000 | 8,600,000 |
| Total capital | 8,555,000 | 8,622,000 | 8,725,000 | 8,934,000 |
| Risk-weighted assets | 29,768,000 | 29,715,000 | 30,394,000 | 33,084,000 |