Call reports 2005
GWINNETT COMMUNITY BANK — 2005
What GWINNETT COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 256,307,000 | 273,815,000 | 293,668,000 | 306,180,000 |
| Total loans | 207,934,000 | 217,205,000 | 222,770,000 | 235,515,000 |
| Allowance for loan losses | 2,388,000 | 2,519,000 | 2,591,000 | 2,756,000 |
| Securities available for sale | 36,163,000 | 35,637,000 | 42,374,000 | 44,886,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,301,000 | 248,226,000 | 267,072,000 | 278,269,000 |
| Interest-bearing deposits | 196,766,000 | 219,695,000 | 236,712,000 | 246,176,000 |
| Noninterest-bearing deposits | 28,535,000 | 28,531,000 | 30,360,000 | 32,093,000 |
| Equity capital | 23,656,000 | 24,675,000 | 25,439,000 | 26,028,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,860,000 | 8,290,000 | 13,055,000 | 18,274,000 |
| Interest expense | 1,353,000 | 3,041,000 | 4,957,000 | 7,113,000 |
| Net interest income | 2,507,000 | 5,249,000 | 8,098,000 | 11,161,000 |
| Noninterest income | 136,000 | 305,000 | 469,000 | 696,000 |
| Noninterest expense | 1,394,000 | 2,833,000 | 4,331,000 | 5,900,000 |
| Provision for loan losses | 224,000 | 364,000 | 466,000 | 605,000 |
| Pretax income | 1,030,000 | 2,363,000 | 3,776,000 | 5,358,000 |
| Income tax | 353,000 | 823,000 | 1,317,000 | 1,896,000 |
| Net income | 677,000 | 1,540,000 | 2,459,000 | 3,462,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,831,000 | 24,695,000 | 25,488,000 | 26,416,000 |
| Total capital | 26,219,000 | 27,214,000 | 28,079,000 | 29,172,000 |
| Risk-weighted assets | 228,077,000 | 239,557,000 | 244,271,000 | 256,508,000 |
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