Call reports 2022
GERBER STATE BANK, THE — 2022
What GERBER STATE BANK, THE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 95,035,000 | 88,394,000 | 92,212,000 | 89,091,000 |
| Total loans | 30,909,000 | 31,821,000 | 34,846,000 | 37,067,000 |
| Allowance for loan losses | 548,000 | 566,000 | 583,000 | 600,000 |
| Securities available for sale | 51,807,000 | 50,368,000 | 48,811,000 | 47,088,000 |
| Securities held to maturity | 105,000 | 105,000 | 105,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,538,000 | 82,799,000 | 87,267,000 | 82,938,000 |
| Interest-bearing deposits | 71,355,000 | 68,884,000 | 74,459,000 | 67,997,000 |
| Noninterest-bearing deposits | 15,183,000 | 13,915,000 | 12,808,000 | 14,941,000 |
| Equity capital | 8,351,000 | 5,525,000 | 4,852,000 | 6,069,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 534,000 | 1,075,000 | 1,760,000 | 2,469,000 |
| Interest expense | 47,000 | 89,000 | 135,000 | 191,000 |
| Net interest income | 487,000 | 986,000 | 1,625,000 | 2,278,000 |
| Noninterest income | 96,000 | 163,000 | 225,000 | 322,000 |
| Noninterest expense | 438,000 | 861,000 | 1,366,000 | 1,814,000 |
| Provision for loan losses | 0 | 15,000 | 30,000 | 45,000 |
| Pretax income | 142,000 | 267,000 | 449,000 | 739,000 |
| Income tax | 14,000 | 0 | 0 | 0 |
| Net income | 128,000 | 267,000 | 449,000 | 739,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,491,000 | 10,610,000 | 10,743,000 | 11,032,000 |
| Total capital | 11,031,000 | 11,163,000 | 11,286,000 | 11,632,000 |
| Risk-weighted assets | 43,201,000 | 44,164,000 | 43,437,000 | 49,967,000 |