Call reports 2006
FIRST NATIONAL BANK OF GWINNETT — 2006
What FIRST NATIONAL BANK OF GWINNETT reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 159,623,000 | 165,558,000 | 165,734,000 | 170,507,000 |
| Total loans | 123,678,000 | 126,222,000 | 127,737,000 | 130,968,000 |
| Allowance for loan losses | 1,463,000 | 1,505,000 | 1,595,000 | 1,351,000 |
| Securities available for sale | 11,114,000 | 10,688,000 | 11,910,000 | 13,279,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,242,000 | 125,791,000 | 125,165,000 | 128,889,000 |
| Interest-bearing deposits | 104,326,000 | 113,366,000 | 112,659,000 | 116,238,000 |
| Noninterest-bearing deposits | 11,917,000 | 12,425,000 | 12,506,000 | 12,651,000 |
| Equity capital | 30,267,000 | 30,082,000 | 30,756,000 | 30,921,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,634,000 | 5,401,000 | 8,519,000 | 11,606,000 |
| Interest expense | 1,161,000 | 2,470,000 | 3,907,000 | 5,448,000 |
| Net interest income | 1,473,000 | 2,931,000 | 4,612,000 | 6,158,000 |
| Noninterest income | 105,000 | 200,000 | 250,000 | 292,000 |
| Noninterest expense | 817,000 | 1,664,000 | 2,440,000 | 2,984,000 |
| Provision for loan losses | 72,000 | 144,000 | 252,000 | 1,085,000 |
| Pretax income | 689,000 | 1,323,000 | 2,170,000 | 2,371,000 |
| Income tax | 243,000 | 477,000 | 791,000 | 843,000 |
| Net income | 446,000 | 846,000 | 1,379,000 | 1,528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,420,000 | 13,343,000 | 13,902,000 | 14,075,000 |
| Total capital | 14,883,000 | 14,848,000 | 15,497,000 | 15,426,000 |
| Risk-weighted assets | 131,262,000 | 135,968,000 | 134,892,000 | 136,930,000 |