Call reports 2025
GERBER STATE BANK, THE — 2025
What GERBER STATE BANK, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 89,202,000 | 86,889,000 | 100,128,000 | 100,639,000 |
| Total loans | 42,038,000 | 44,402,000 | 44,730,000 | 47,513,000 |
| Allowance for loan losses | 702,000 | 711,000 | 741,000 | 721,000 |
| Securities available for sale | 42,134,000 | 41,123,000 | 44,491,000 | 49,474,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,043,000 | 75,109,000 | 81,576,000 | 77,284,000 |
| Interest-bearing deposits | 67,302,000 | 64,259,000 | 72,565,000 | 66,777,000 |
| Noninterest-bearing deposits | 12,741,000 | 10,850,000 | 9,011,000 | 10,507,000 |
| Equity capital | 7,874,000 | 7,954,000 | 9,309,000 | 9,995,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 882,000 | 1,751,000 | 2,766,000 | 3,853,000 |
| Interest expense | 224,000 | 439,000 | 668,000 | 1,015,000 |
| Net interest income | 658,000 | 1,312,000 | 2,098,000 | 2,838,000 |
| Noninterest income | 61,000 | 120,000 | 186,000 | 262,000 |
| Noninterest expense | 541,000 | 1,035,000 | 1,579,000 | 2,105,000 |
| Provision for loan losses | -12,000 | -5,000 | -5,000 | -27,000 |
| Pretax income | 141,000 | 370,000 | 690,000 | 1,011,000 |
| Income tax | 12,000 | 12,000 | 12,000 | 12,000 |
| Net income | 129,000 | 358,000 | 678,000 | 999,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,990,000 | 12,161,000 | 12,397,000 | 12,719,000 |
| Total capital | 12,665,000 | 12,841,000 | — | — |
| Risk-weighted assets | 53,879,000 | 54,293,000 | — | — |