Call reports 2014
GWINNETT COMMUNITY BANK — 2014
What GWINNETT COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 407,368,000 | 400,949,000 | 383,543,000 | 370,410,000 |
| Total loans | 257,107,000 | 247,302,000 | 220,958,000 | 216,014,000 |
| Allowance for loan losses | 3,239,000 | 3,281,000 | 2,851,000 | 5,649,000 |
| Securities available for sale | 71,341,000 | 73,158,000 | 70,650,000 | 78,816,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 375,629,000 | 367,697,000 | 350,417,000 | 342,101,000 |
| Interest-bearing deposits | 343,962,000 | 333,300,000 | 315,724,000 | 311,709,000 |
| Noninterest-bearing deposits | 31,667,000 | 34,397,000 | 34,693,000 | 30,392,000 |
| Equity capital | 10,583,000 | 12,062,000 | 12,218,000 | 7,394,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,436,000 | 6,898,000 | 9,996,000 | 13,100,000 |
| Interest expense | 1,182,000 | 2,340,000 | 3,524,000 | 4,607,000 |
| Net interest income | 2,254,000 | 4,558,000 | 6,472,000 | 8,493,000 |
| Noninterest income | 254,000 | 842,000 | 963,000 | 1,338,000 |
| Noninterest expense | 2,173,000 | 4,430,000 | 6,529,000 | 10,660,000 |
| Provision for loan losses | 135,000 | 70,000 | 105,000 | 3,670,000 |
| Pretax income | 200,000 | 900,000 | 853,000 | -4,432,000 |
| Income tax | 0 | 0 | 0 | 412,000 |
| Net income | 200,000 | 900,000 | 853,000 | -4,844,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,110,000 | 13,811,000 | 13,764,000 | 8,067,000 |
| Total capital | 16,349,000 | 17,092,000 | 16,615,000 | 11,229,000 |
| Risk-weighted assets | 294,648,000 | 282,856,000 | 261,218,000 | 250,490,000 |