Call reports 2005
FIRST NATIONAL BANK OF GWINNETT — 2005
What FIRST NATIONAL BANK OF GWINNETT reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 147,273,000 | 155,196,000 | 160,309,000 | 160,021,000 |
| Total loans | 107,297,000 | 114,278,000 | 117,450,000 | 122,774,000 |
| Allowance for loan losses | 1,255,000 | 1,354,000 | 1,432,000 | 1,511,000 |
| Securities available for sale | 9,881,000 | 10,572,000 | 12,014,000 | 11,505,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,335,000 | 113,406,000 | 118,162,000 | 119,555,000 |
| Interest-bearing deposits | 101,765,000 | 102,330,000 | 105,186,000 | 106,962,000 |
| Noninterest-bearing deposits | 8,570,000 | 11,076,000 | 12,976,000 | 12,593,000 |
| Equity capital | 31,383,000 | 32,193,000 | 32,562,000 | 30,042,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 709,000 | 2,945,000 | 5,333,000 | 7,938,000 |
| Interest expense | 266,000 | 1,115,000 | 2,121,000 | 3,210,000 |
| Net interest income | 443,000 | 1,830,000 | 3,212,000 | 4,728,000 |
| Noninterest income | 56,000 | 188,000 | 345,000 | 436,000 |
| Noninterest expense | 290,000 | 1,201,000 | 2,040,000 | 2,816,000 |
| Provision for loan losses | 67,000 | 166,000 | 244,000 | 323,000 |
| Pretax income | 142,000 | 651,000 | 1,273,000 | 2,025,000 |
| Income tax | 39,000 | 216,000 | 430,000 | 684,000 |
| Net income | 103,000 | 435,000 | 843,000 | 1,341,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,879,000 | 12,225,000 | 12,622,000 | 13,118,000 |
| Total capital | 13,134,000 | 13,579,000 | 14,054,000 | 14,629,000 |
| Risk-weighted assets | 114,767,000 | 121,232,000 | 124,313,000 | 130,881,000 |