Call reports 2011
GWINNETT COMMUNITY BANK — 2011
What GWINNETT COMMUNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 508,559,000 | 503,032,000 | 506,997,000 | 484,854,000 |
| Total loans | 335,118,000 | 330,517,000 | 312,884,000 | 309,129,000 |
| Allowance for loan losses | 8,813,000 | 8,785,000 | 8,385,000 | 6,571,000 |
| Securities available for sale | 88,212,000 | 85,326,000 | 90,864,000 | 84,844,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 474,616,000 | 469,124,000 | 470,115,000 | 450,459,000 |
| Interest-bearing deposits | 439,205,000 | 434,614,000 | 461,400,000 | 414,747,000 |
| Noninterest-bearing deposits | 35,411,000 | 34,510,000 | 8,716,000 | 35,713,000 |
| Equity capital | 7,327,000 | 7,529,000 | 10,125,000 | 7,900,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 5,577,000 | 10,490,000 | 15,391,000 | 20,226,000 |
| Interest expense | 2,821,000 | 5,596,000 | 8,216,000 | 10,694,000 |
| Net interest income | 2,756,000 | 4,894,000 | 7,175,000 | 9,532,000 |
| Noninterest income | -39,000 | 776,000 | 2,251,000 | 2,629,000 |
| Noninterest expense | 1,502,000 | 5,152,000 | 7,786,000 | 13,001,000 |
| Provision for loan losses | 1,067,000 | 1,277,000 | 1,807,000 | 1,124,000 |
| Pretax income | 148,000 | -759,000 | 660,000 | -711,000 |
| Income tax | 0 | 0 | 0 | 39,000 |
| Net income | 148,000 | -759,000 | 660,000 | -750,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,828,000 | 7,921,000 | 9,340,000 | 7,930,000 |
| Total capital | 13,445,000 | 12,444,000 | 13,776,000 | 12,374,000 |
| Risk-weighted assets | 365,197,000 | 357,599,000 | 350,895,000 | 353,398,000 |