Call reports 2008
GWINNETT COMMUNITY BANK — 2008
What GWINNETT COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 471,015,000 | 486,789,000 | 499,258,000 | 493,689,000 |
| Total loans | 351,765,000 | 370,208,000 | 366,628,000 | 363,519,000 |
| Allowance for loan losses | 4,402,000 | 4,996,000 | 4,600,000 | 7,446,000 |
| Securities available for sale | 90,560,000 | 85,319,000 | 87,815,000 | 87,784,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 398,381,000 | 415,592,000 | 422,410,000 | 422,897,000 |
| Interest-bearing deposits | 368,321,000 | 386,122,000 | 391,402,000 | 396,428,000 |
| Noninterest-bearing deposits | 30,060,000 | 29,470,000 | 31,008,000 | 26,469,000 |
| Equity capital | 38,696,000 | 37,711,000 | 38,477,000 | 37,279,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,617,000 | 14,830,000 | 22,129,000 | 28,752,000 |
| Interest expense | 4,520,000 | 8,904,000 | 13,350,000 | 17,584,000 |
| Net interest income | 3,097,000 | 5,926,000 | 8,779,000 | 11,168,000 |
| Noninterest income | 225,000 | 469,000 | 745,000 | 986,000 |
| Noninterest expense | 2,130,000 | 4,296,000 | 6,554,000 | 9,409,000 |
| Provision for loan losses | 660,000 | 1,360,000 | 2,185,000 | 6,779,000 |
| Pretax income | 548,000 | 761,000 | 807,000 | -4,012,000 |
| Income tax | 88,000 | 106,000 | -65,000 | -2,013,000 |
| Net income | 460,000 | 655,000 | 872,000 | -1,999,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,095,000 | 39,106,000 | 39,183,000 | 37,616,000 |
| Total capital | 43,497,000 | 44,102,000 | 43,783,000 | 42,934,000 |
| Risk-weighted assets | 396,936,000 | 417,359,000 | 421,703,000 | 423,311,000 |
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