Call reports 2010
GWINNETT COMMUNITY BANK — 2010
What GWINNETT COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 503,496,000 | 489,014,000 | 500,825,000 | 492,764,000 |
| Total loans | 325,101,000 | 309,652,000 | 302,869,000 | 313,346,000 |
| Allowance for loan losses | 12,963,000 | 8,138,000 | 8,051,000 | 6,732,000 |
| Securities available for sale | 86,371,000 | 85,240,000 | 90,054,000 | 86,753,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 459,617,000 | 445,781,000 | 458,797,000 | 459,422,000 |
| Interest-bearing deposits | 435,429,000 | 420,853,000 | 425,200,000 | 425,909,000 |
| Noninterest-bearing deposits | 24,188,000 | 24,928,000 | 33,597,000 | 33,513,000 |
| Equity capital | 17,168,000 | 16,735,000 | 15,372,000 | 7,030,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,232,000 | 10,258,000 | 15,106,000 | 19,991,000 |
| Interest expense | 3,511,000 | 6,815,000 | 9,881,000 | 12,836,000 |
| Net interest income | 1,721,000 | 3,443,000 | 5,225,000 | 7,155,000 |
| Noninterest income | 291,000 | 581,000 | 403,000 | 611,000 |
| Noninterest expense | 2,229,000 | 5,203,000 | 8,243,000 | 14,444,000 |
| Provision for loan losses | 3,717,000 | 4,230,000 | 4,502,000 | 6,943,000 |
| Pretax income | -3,941,000 | -4,919,000 | -6,271,000 | -12,614,000 |
| Income tax | 0 | 0 | 0 | 320,000 |
| Net income | -3,941,000 | -4,919,000 | -6,271,000 | -12,934,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,601,000 | 16,694,000 | 15,342,000 | 8,680,000 |
| Total capital | 22,291,000 | 21,290,000 | 19,819,000 | 13,187,000 |
| Risk-weighted assets | 366,887,000 | 364,123,000 | 354,551,000 | 358,294,000 |
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