Call reports 2019
GERBER STATE BANK, THE — 2019
What GERBER STATE BANK, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 76,503,000 | 76,456,000 | 77,258,000 | 75,845,000 |
| Total loans | 33,638,000 | 34,006,000 | 34,303,000 | 36,060,000 |
| Allowance for loan losses | 390,000 | 407,000 | 443,000 | 448,000 |
| Securities available for sale | 33,766,000 | 33,566,000 | 34,520,000 | 33,299,000 |
| Securities held to maturity | 2,460,000 | 2,307,000 | 2,204,000 | 1,612,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,501,000 | 64,933,000 | 66,478,000 | 65,079,000 |
| Interest-bearing deposits | 59,736,000 | 58,034,000 | 59,734,000 | 56,019,000 |
| Noninterest-bearing deposits | 7,765,000 | 6,899,000 | 6,744,000 | 9,060,000 |
| Equity capital | 8,890,000 | 9,515,000 | 9,730,000 | 9,899,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 672,000 | 1,337,000 | 2,010,000 | 2,689,000 |
| Interest expense | 91,000 | 184,000 | 273,000 | 357,000 |
| Net interest income | 581,000 | 1,153,000 | 1,737,000 | 2,332,000 |
| Noninterest income | 59,000 | 119,000 | 181,000 | 241,000 |
| Noninterest expense | 448,000 | 945,000 | 1,412,000 | 1,870,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 105,000 |
| Pretax income | 162,000 | 267,000 | 416,000 | 603,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 162,000 | 267,000 | 416,000 | 603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,395,000 | 9,402,000 | 9,504,000 | 9,692,000 |
| Total capital | 9,785,000 | 9,809,000 | 9,947,000 | 10,140,000 |
| Risk-weighted assets | 39,684,000 | 39,369,000 | 39,678,000 | 43,049,000 |