Call reports 2016
GWINNETT COMMUNITY BANK — 2016
What GWINNETT COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 334,387,000 | 326,872,000 | 322,736,000 | 313,496,000 |
| Total loans | 177,522,000 | 170,420,000 | 163,464,000 | 170,941,000 |
| Allowance for loan losses | 2,323,000 | 2,440,000 | 2,750,000 | 2,832,000 |
| Securities available for sale | 76,450,000 | 72,269,000 | 82,346,000 | 78,580,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 309,585,000 | 300,574,000 | 296,578,000 | 291,891,000 |
| Interest-bearing deposits | 273,220,000 | 266,590,000 | 258,274,000 | 256,583,000 |
| Noninterest-bearing deposits | 36,365,000 | 33,984,000 | 38,304,000 | 35,308,000 |
| Equity capital | 8,796,000 | 9,878,000 | 9,763,000 | 5,793,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,667,000 | 5,272,000 | 7,912,000 | 10,556,000 |
| Interest expense | 820,000 | 1,622,000 | 2,399,000 | 3,156,000 |
| Net interest income | 1,847,000 | 3,650,000 | 5,513,000 | 7,400,000 |
| Noninterest income | 284,000 | 1,333,000 | 1,423,000 | 505,000 |
| Noninterest expense | 1,843,000 | 4,199,000 | 6,453,000 | 8,418,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 294,000 | 1,019,000 | 822,000 | -174,000 |
| Income tax | 19,000 | 19,000 | 19,000 | 19,000 |
| Net income | 275,000 | 1,000,000 | 803,000 | -193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,333,000 | 9,058,000 | 8,861,000 | 7,865,000 |
| Total capital | 10,656,000 | 11,498,000 | 11,611,000 | 10,697,000 |
| Risk-weighted assets | 239,620,000 | 231,095,000 | 222,940,000 | 226,747,000 |