The Gerber State Bank Financial Statements & Health Reports

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Efficiency Ratio

Net Interest Margin

Balance Sheet Highlights

Financial Highlights	The Gerber State Bank	All Insured Commercial Banks in Illinois
Balance Sheet $(000)
Total Assets	78,738	290,894
Total Net Loans	29,464	191,278
Total Deposits	67,460	246,407
Total Equity	8,021	31,125
Profitability
Net Income	495	2,670
Return on Average Assets	.63	.919
Return on Average Equity	5.9	8.247
Net Interest Margin	2.738	3.499
Efficiency Ratio	70.926	67.9
Noninterest Income/Revenue	8.037	16.598
Balance Sheet Ratios
Loan-to-Deposit	43.676	72.669
Securities/Assets	.546	.191
Total Equity/Total Assets	.102	.107
Tangible Equity/Tangible Assets	.102	.103
Capital Adequacy
Tier 1 Common Capital	8,600	29,670
Tier 1 Capital	8,600	29,720
Tier 2 Capital	334	2,112
Total Capital	8,934	31,905
Total Risk Weighted Assets	33,084	212,461
Leverage Ratio	10.92	10.62
Common Equity Tier 1 Capital Ratio	25.99	16.313
Tier 1 Capital Ratio	25.99	16.329
Total Capital Ratio	27	17.341

Gerber Bancshares, Inc. became a new parent organization for The Gerber State Bank.

View Profile Oct 31 2007

The Gerber State Bank was established 137 years ago and is currently headquartered in Argenta, IL.

Oct 01 1887

Relationships	Role	Relationship Start	Relationship End
Gerber Bancshares, Inc.	Parent	10/31/2007

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