Call reports 2005
SECURITY BANK OF GWINNETT COUNTY — 2005
What SECURITY BANK OF GWINNETT COUNTY 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 | 144,508,000 | 175,229,000 | 204,548,000 | 223,756,000 |
| Total loans | 115,815,000 | 146,338,000 | 167,993,000 | 179,365,000 |
| Allowance for loan losses | 1,240,000 | 1,550,000 | 1,825,000 | 1,975,000 |
| Securities available for sale | 6,259,000 | 8,905,000 | 9,837,000 | 9,387,000 |
| Securities held to maturity | 11,272,000 | 8,270,000 | 12,261,000 | 16,249,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,188,000 | 151,146,000 | 167,856,000 | 182,926,000 |
| Interest-bearing deposits | 114,330,000 | 147,028,000 | 160,388,000 | 176,374,000 |
| Noninterest-bearing deposits | 4,858,000 | 4,118,000 | 7,468,000 | 6,552,000 |
| Equity capital | 14,859,000 | 15,455,000 | 18,981,000 | 19,790,000 |
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 | 1,970,000 | 4,580,000 | 7,845,000 | 11,687,000 |
| Interest expense | 794,000 | 1,947,000 | 3,455,000 | 5,274,000 |
| Net interest income | 1,176,000 | 2,633,000 | 4,390,000 | 6,413,000 |
| Noninterest income | 3,000 | 10,000 | 14,000 | 22,000 |
| Noninterest expense | 491,000 | 1,042,000 | 1,625,000 | 2,374,000 |
| Provision for loan losses | 290,000 | 600,000 | 875,000 | 1,025,000 |
| Pretax income | 398,000 | 1,001,000 | 1,904,000 | 3,036,000 |
| Income tax | 152,000 | 380,000 | 722,000 | 1,133,000 |
| Net income | 246,000 | 621,000 | 1,182,000 | 1,903,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,862,000 | 15,544,000 | 19,095,000 | 19,941,000 |
| Total capital | 16,102,000 | 17,094,000 | 20,920,000 | 21,916,000 |
| Risk-weighted assets | 133,294,000 | 172,015,000 | 208,324,000 | 216,334,000 |