Call reports 2003
FIRST NATIONAL BANK OF GWINNETT — 2003
What FIRST NATIONAL BANK OF GWINNETT reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 70,855,000 | 79,991,000 | 83,128,000 | 88,149,000 |
| Total loans | 54,184,000 | 60,753,000 | 67,105,000 | 70,295,000 |
| Allowance for loan losses | 638,000 | 730,000 | 808,000 | 854,000 |
| Securities available for sale | 7,231,000 | 7,073,000 | 7,563,000 | 8,755,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,183,000 | 72,149,000 | 75,150,000 | 80,063,000 |
| Interest-bearing deposits | 56,478,000 | 64,112,000 | 67,145,000 | 71,003,000 |
| Noninterest-bearing deposits | 6,705,000 | 8,036,000 | 8,005,000 | 9,059,000 |
| Equity capital | 7,338,000 | 7,448,000 | 7,580,000 | 7,826,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 947,000 | 1,980,000 | 3,148,000 | 4,392,000 |
| Interest expense | 334,000 | 682,000 | 1,031,000 | 1,394,000 |
| Net interest income | 613,000 | 1,298,000 | 2,117,000 | 2,998,000 |
| Noninterest income | 271,000 | 707,000 | 1,193,000 | 1,449,000 |
| Noninterest expense | 702,000 | 1,513,000 | 2,383,000 | 3,114,000 |
| Provision for loan losses | 81,000 | 174,000 | 251,000 | 297,000 |
| Pretax income | 101,000 | 317,000 | 675,000 | 1,035,000 |
| Income tax | 38,000 | 120,000 | 247,000 | 380,000 |
| Net income | 63,000 | 197,000 | 428,000 | 655,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,280,000 | 7,415,000 | 7,646,000 | 7,872,000 |
| Total capital | 7,918,000 | 8,145,000 | 8,454,000 | 8,726,000 |
| Risk-weighted assets | 59,931,000 | 67,501,000 | 72,374,000 | 76,837,000 |