Call reports 2007
FIRST NATIONAL BANK OF GWINNETT — 2007
What FIRST NATIONAL BANK OF GWINNETT reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 178,882,000 | 184,494,000 | 195,361,000 | 204,770,000 |
| Total loans | 132,674,000 | 142,471,000 | 151,410,000 | 162,360,000 |
| Allowance for loan losses | 1,381,000 | 1,431,000 | 1,619,000 | 1,651,000 |
| Securities available for sale | 14,607,000 | 14,458,000 | 14,582,000 | 14,892,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,702,000 | 136,139,000 | 147,958,000 | 157,417,000 |
| Interest-bearing deposits | 121,669,000 | 119,517,000 | 135,527,000 | 145,713,000 |
| Noninterest-bearing deposits | 13,033,000 | 16,622,000 | 12,430,000 | 11,704,000 |
| Equity capital | 31,318,000 | 31,449,000 | 31,795,000 | 32,197,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,203,000 | 6,547,000 | 10,104,000 | 13,680,000 |
| Interest expense | 1,564,000 | 3,276,000 | 5,171,000 | 7,210,000 |
| Net interest income | 1,639,000 | 3,271,000 | 4,933,000 | 6,470,000 |
| Noninterest income | 31,000 | 71,000 | 133,000 | 190,000 |
| Noninterest expense | 753,000 | 1,564,000 | 2,400,000 | 3,303,000 |
| Provision for loan losses | 30,000 | 120,000 | 310,000 | 400,000 |
| Pretax income | 887,000 | 1,658,000 | 2,356,000 | 2,958,000 |
| Income tax | 320,000 | 592,000 | 833,000 | 996,000 |
| Net income | 567,000 | 1,066,000 | 1,523,000 | 1,962,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,475,000 | 14,808,000 | 15,098,000 | 15,369,000 |
| Total capital | 15,856,000 | 16,239,000 | 16,717,000 | 17,020,000 |
| Risk-weighted assets | 139,706,000 | 152,858,000 | 161,210,000 | 169,763,000 |
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