Call reports 2004
GWINNETT COMMUNITY BANK — 2004
What GWINNETT COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 224,561,000 | 227,149,000 | 233,473,000 | 242,163,000 |
| Total loans | 161,195,000 | 172,474,000 | 181,428,000 | 191,242,000 |
| Allowance for loan losses | 1,811,000 | 1,945,000 | 2,076,000 | 2,198,000 |
| Securities available for sale | 28,620,000 | 39,528,000 | 37,815,000 | 38,219,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,648,000 | 204,438,000 | 209,295,000 | 216,906,000 |
| Interest-bearing deposits | 180,886,000 | 179,975,000 | 182,940,000 | 191,409,000 |
| Noninterest-bearing deposits | 20,762,000 | 24,463,000 | 26,355,000 | 25,497,000 |
| Equity capital | 21,667,000 | 21,306,000 | 22,666,000 | 23,420,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,992,000 | 6,177,000 | 9,573,000 | 13,280,000 |
| Interest expense | 1,095,000 | 2,263,000 | 3,477,000 | 4,763,000 |
| Net interest income | 1,897,000 | 3,914,000 | 6,096,000 | 8,517,000 |
| Noninterest income | 127,000 | 253,000 | 433,000 | 595,000 |
| Noninterest expense | 1,220,000 | 2,470,000 | 3,702,000 | 4,968,000 |
| Provision for loan losses | 149,000 | 304,000 | 392,000 | 512,000 |
| Pretax income | 665,000 | 1,403,000 | 2,445,000 | 3,662,000 |
| Income tax | 224,000 | 477,000 | 836,000 | 1,261,000 |
| Net income | 441,000 | 926,000 | 1,609,000 | 2,401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,398,000 | 21,883,000 | 22,567,000 | 23,358,000 |
| Total capital | 23,209,000 | 23,828,000 | 24,643,000 | 25,556,000 |
| Risk-weighted assets | 180,719,000 | 191,587,000 | 199,825,000 | 211,385,000 |
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