Call reports 2013
GWINNETT COMMUNITY BANK — 2013
What GWINNETT COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 446,992,000 | 442,292,000 | 427,713,000 | 421,494,000 |
| Total loans | 284,411,000 | 274,991,000 | 270,728,000 | 264,107,000 |
| Allowance for loan losses | 4,153,000 | 4,355,000 | 4,129,000 | 3,992,000 |
| Securities available for sale | 79,162,000 | 75,142,000 | 72,229,000 | 70,843,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 414,686,000 | 410,138,000 | 396,030,000 | 389,633,000 |
| Interest-bearing deposits | 382,649,000 | 374,682,000 | 363,912,000 | 359,755,000 |
| Noninterest-bearing deposits | 32,037,000 | 35,456,000 | 32,118,000 | 29,878,000 |
| Equity capital | 11,147,000 | 10,782,000 | 10,318,000 | 10,574,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,776,000 | 7,623,000 | 11,463,000 | 15,064,000 |
| Interest expense | 1,488,000 | 2,918,000 | 4,228,000 | 5,491,000 |
| Net interest income | 2,288,000 | 4,705,000 | 7,235,000 | 9,573,000 |
| Noninterest income | 378,000 | 752,000 | 1,314,000 | 1,646,000 |
| Noninterest expense | 2,341,000 | 3,026,000 | 5,625,000 | 7,846,000 |
| Provision for loan losses | -665,000 | 95,000 | -20,000 | 40,000 |
| Pretax income | 1,021,000 | 2,375,000 | 2,983,000 | 3,372,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,021,000 | 2,375,000 | 2,983,000 | 3,372,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,404,000 | 12,758,000 | 13,366,000 | 13,755,000 |
| Total capital | 15,541,000 | 16,850,000 | 17,354,000 | 17,539,000 |
| Risk-weighted assets | 330,981,000 | 327,103,000 | 318,930,000 | 302,519,000 |