Call reports 2002
FIRST NATIONAL BANK OF GWINNETT — 2002
What FIRST NATIONAL BANK OF GWINNETT reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 53,949,000 | 55,597,000 | 60,339,000 | 64,956,000 |
| Total loans | 41,436,000 | 41,132,000 | 45,133,000 | 47,737,000 |
| Allowance for loan losses | 517,000 | 595,000 | 677,000 | 564,000 |
| Securities available for sale | 4,236,000 | 5,198,000 | 6,347,000 | 6,532,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,021,000 | 48,514,000 | 53,179,000 | 57,370,000 |
| Interest-bearing deposits | 41,581,000 | 44,227,000 | 47,575,000 | 50,832,000 |
| Noninterest-bearing deposits | 5,439,000 | 4,287,000 | 5,603,000 | 6,538,000 |
| Equity capital | 6,657,000 | 6,764,000 | 6,855,000 | 7,296,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 791,000 | 1,611,000 | 2,484,000 | 3,402,000 |
| Interest expense | 316,000 | 643,000 | 979,000 | 1,327,000 |
| Net interest income | 475,000 | 968,000 | 1,505,000 | 2,075,000 |
| Noninterest income | 97,000 | 219,000 | 415,000 | 622,000 |
| Noninterest expense | 476,000 | 948,000 | 1,524,000 | 2,200,000 |
| Provision for loan losses | 96,000 | 174,000 | 256,000 | 277,000 |
| Pretax income | 0 | 65,000 | 140,000 | 220,000 |
| Income tax | 0 | 2,000 | 0 | -348,000 |
| Net income | 0 | 63,000 | 140,000 | 568,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,646,000 | 6,710,000 | 6,786,000 | 7,217,000 |
| Total capital | 7,163,000 | 7,274,000 | 7,397,000 | 7,781,000 |
| Risk-weighted assets | 45,100,000 | 45,128,000 | 48,840,000 | 53,231,000 |