Call reports 2012
GWINNETT COMMUNITY BANK — 2012
What GWINNETT COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 480,986,000 | 469,547,000 | 465,466,000 | 456,300,000 |
| Total loans | 304,999,000 | 302,256,000 | 300,738,000 | 289,062,000 |
| Allowance for loan losses | 3,120,000 | 3,103,000 | 4,511,000 | 5,653,000 |
| Securities available for sale | 84,042,000 | 84,535,000 | 84,242,000 | 81,221,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 448,640,000 | 435,333,000 | 431,122,000 | 424,806,000 |
| Interest-bearing deposits | 410,442,000 | 398,193,000 | 394,588,000 | 389,621,000 |
| Noninterest-bearing deposits | 38,198,000 | 37,140,000 | 36,534,000 | 35,185,000 |
| Equity capital | 11,122,000 | 12,635,000 | 12,567,000 | 10,334,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,486,000 | 9,014,000 | 13,435,000 | 17,159,000 |
| Interest expense | 2,185,000 | 4,132,000 | 5,871,000 | 7,484,000 |
| Net interest income | 2,301,000 | 4,882,000 | 7,564,000 | 9,675,000 |
| Noninterest income | 903,000 | 1,388,000 | 1,683,000 | 1,720,000 |
| Noninterest expense | 2,373,000 | 5,065,000 | 7,872,000 | 10,392,000 |
| Provision for loan losses | -2,408,000 | -2,324,000 | -870,000 | 1,002,000 |
| Pretax income | 3,289,000 | 4,435,000 | 4,713,000 | 2,482,000 |
| Income tax | 0 | 59,000 | 59,000 | 29,000 |
| Net income | 3,289,000 | 4,376,000 | 4,654,000 | 2,453,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,219,000 | 12,306,000 | 12,584,000 | 10,383,000 |
| Total capital | 14,339,000 | 15,409,000 | 17,050,000 | 14,587,000 |
| Risk-weighted assets | 351,859,000 | 353,599,000 | 357,278,000 | 334,884,000 |