Call reports 2009
GWINNETT COMMUNITY BANK — 2009
What GWINNETT COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 502,950,000 | 499,621,000 | 504,660,000 | 489,158,000 |
| Total loans | 364,951,000 | 353,777,000 | 349,666,000 | 335,179,000 |
| Allowance for loan losses | 7,128,000 | 6,027,000 | 9,438,000 | 12,512,000 |
| Securities available for sale | 86,021,000 | 79,828,000 | 82,118,000 | 79,831,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 434,624,000 | 434,030,000 | 440,818,000 | 441,140,000 |
| Interest-bearing deposits | 404,611,000 | 404,677,000 | 413,443,000 | 416,672,000 |
| Noninterest-bearing deposits | 30,013,000 | 29,353,000 | 27,375,000 | 24,468,000 |
| Equity capital | 36,862,000 | 34,015,000 | 31,997,000 | 16,202,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,168,000 | 11,838,000 | 17,287,000 | 22,395,000 |
| Interest expense | 4,023,000 | 8,007,000 | 11,945,000 | 15,694,000 |
| Net interest income | 2,145,000 | 3,831,000 | 5,342,000 | 6,701,000 |
| Noninterest income | 139,000 | 312,000 | 634,000 | 210,000 |
| Noninterest expense | 2,235,000 | 4,485,000 | 8,400,000 | 13,243,000 |
| Provision for loan losses | 150,000 | 961,000 | 5,901,000 | 16,243,000 |
| Pretax income | 413,000 | -2,596,000 | -9,256,000 | -23,393,000 |
| Income tax | 40,000 | -1,252,000 | -3,867,000 | -2,756,000 |
| Net income | 373,000 | -1,344,000 | -5,389,000 | -20,637,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,989,000 | 36,272,000 | 31,164,000 | 16,979,000 |
| Total capital | 43,273,000 | 41,458,000 | 36,188,000 | 21,742,000 |
| Risk-weighted assets | 420,384,000 | 414,004,000 | 397,534,000 | 373,268,000 |
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