Call reports 2015
GWINNETT COMMUNITY BANK — 2015
What GWINNETT COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 357,090,000 | 345,725,000 | 341,653,000 | 340,236,000 |
| Total loans | 211,569,000 | 208,628,000 | 195,236,000 | 184,088,000 |
| Allowance for loan losses | 5,871,000 | 4,290,000 | 4,388,000 | 2,644,000 |
| Securities available for sale | 76,833,000 | 76,467,000 | 75,777,000 | 75,126,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 332,705,000 | 323,117,000 | 317,812,000 | 316,728,000 |
| Interest-bearing deposits | 299,270,000 | 287,557,000 | 275,072,000 | 276,399,000 |
| Noninterest-bearing deposits | 33,435,000 | 35,560,000 | 42,740,000 | 40,329,000 |
| Equity capital | 8,402,000 | 6,509,000 | 7,847,000 | 7,484,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,920,000 | 5,821,000 | 8,675,000 | 11,421,000 |
| Interest expense | 977,000 | 1,892,000 | 2,754,000 | 3,593,000 |
| Net interest income | 1,943,000 | 3,929,000 | 5,921,000 | 7,828,000 |
| Noninterest income | 381,000 | 703,000 | 1,241,000 | 1,558,000 |
| Noninterest expense | 2,145,000 | 4,560,000 | 7,090,000 | 9,260,000 |
| Provision for loan losses | -15,000 | -30,000 | -46,000 | 189,000 |
| Pretax income | 194,000 | 154,000 | 172,000 | -9,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 194,000 | 154,000 | 172,000 | -9,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,261,000 | 7,826,000 | 8,239,000 | 8,058,000 |
| Total capital | 11,700,000 | 11,191,000 | 11,434,000 | 10,702,000 |
| Risk-weighted assets | 272,684,000 | 268,307,000 | 254,415,000 | 242,999,000 |