Call reports 2004
FIRST NATIONAL BANK OF GWINNETT — 2004
What FIRST NATIONAL BANK OF GWINNETT reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 101,667,000 | 103,327,000 | 116,026,000 | 120,342,000 |
| Total loans | 81,518,000 | 84,996,000 | 95,074,000 | 99,809,000 |
| Allowance for loan losses | 933,000 | 1,023,000 | 1,098,000 | 1,141,000 |
| Securities available for sale | 9,470,000 | 9,565,000 | 11,331,000 | 10,871,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,253,000 | 94,964,000 | 100,326,000 | 104,348,000 |
| Interest-bearing deposits | 85,608,000 | 86,571,000 | 91,108,000 | 95,196,000 |
| Noninterest-bearing deposits | 7,645,000 | 8,393,000 | 9,218,000 | 9,152,000 |
| Equity capital | 8,042,000 | 8,045,000 | 10,348,000 | 10,642,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,328,000 | 2,766,000 | 4,390,000 | 6,133,000 |
| Interest expense | 402,000 | 846,000 | 1,338,000 | 1,887,000 |
| Net interest income | 926,000 | 1,920,000 | 3,052,000 | 4,246,000 |
| Noninterest income | 145,000 | 270,000 | 411,000 | 630,000 |
| Noninterest expense | 735,000 | 1,501,000 | 2,295,000 | 3,110,000 |
| Provision for loan losses | 105,000 | 195,000 | 295,000 | 360,000 |
| Pretax income | 231,000 | 494,000 | 873,000 | 1,406,000 |
| Income tax | 84,000 | 176,000 | 312,000 | 501,000 |
| Net income | 147,000 | 318,000 | 561,000 | 905,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,019,000 | 8,191,000 | 10,378,000 | 10,697,000 |
| Total capital | 8,952,000 | 9,214,000 | 11,476,000 | 11,838,000 |
| Risk-weighted assets | 88,770,000 | 90,964,000 | 101,309,000 | 106,131,000 |
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