Call reports 2007
GWINNETT COMMUNITY BANK — 2007
What GWINNETT COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 379,723,000 | 397,395,000 | 415,159,000 | 428,736,000 |
| Total loans | 280,003,000 | 307,223,000 | 323,915,000 | 335,618,000 |
| Allowance for loan losses | 3,139,000 | 3,156,000 | 3,486,000 | 3,787,000 |
| Securities available for sale | 60,160,000 | 63,104,000 | 64,591,000 | 65,710,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 345,014,000 | 362,321,000 | 373,767,000 | 385,870,000 |
| Interest-bearing deposits | 308,453,000 | 328,446,000 | 343,095,000 | 357,917,000 |
| Noninterest-bearing deposits | 36,561,000 | 33,875,000 | 30,671,000 | 27,953,000 |
| Equity capital | 31,427,000 | 31,635,000 | 38,232,000 | 39,228,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,931,000 | 14,215,000 | 22,129,000 | 30,118,000 |
| Interest expense | 3,647,000 | 7,599,000 | 11,986,000 | 16,490,000 |
| Net interest income | 3,284,000 | 6,616,000 | 10,143,000 | 13,628,000 |
| Noninterest income | 282,000 | 792,000 | 1,024,000 | 1,228,000 |
| Noninterest expense | 1,878,000 | 3,937,000 | 5,980,000 | 7,986,000 |
| Provision for loan losses | 75,000 | 245,000 | 570,000 | 885,000 |
| Pretax income | 1,621,000 | 3,234,000 | 4,625,000 | 6,014,000 |
| Income tax | 500,000 | 995,000 | 1,404,000 | 1,837,000 |
| Net income | 1,121,000 | 2,239,000 | 3,221,000 | 4,177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,499,000 | 32,491,000 | 38,374,000 | 39,205,000 |
| Total capital | 34,638,000 | 35,647,000 | 41,860,000 | 42,992,000 |
| Risk-weighted assets | 314,545,000 | 343,439,000 | 363,767,000 | 375,821,000 |
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