Call reports 2005
BANK OF GASSAWAY — 2005
What BANK OF GASSAWAY 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 | 167,987,000 | 164,237,000 | 165,555,000 | 154,088,000 |
| Total loans | 73,520,000 | 72,658,000 | 71,937,000 | 70,800,000 |
| Allowance for loan losses | 1,878,000 | 1,840,000 | 1,864,000 | 1,768,000 |
| Securities available for sale | 47,813,000 | 48,564,000 | 48,104,000 | 44,913,000 |
| Securities held to maturity | 18,223,000 | 17,974,000 | 17,975,000 | 17,976,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,260,000 | 147,480,000 | 148,373,000 | 136,960,000 |
| Interest-bearing deposits | 122,878,000 | 118,254,000 | 115,775,000 | 107,950,000 |
| Noninterest-bearing deposits | 29,382,000 | 29,226,000 | 32,598,000 | 29,010,000 |
| Equity capital | 14,444,000 | 15,314,000 | 15,444,000 | 15,708,000 |
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 | 2,127,000 | 4,267,000 | 6,407,000 | 8,491,000 |
| Interest expense | 488,000 | 964,000 | 1,428,000 | 1,883,000 |
| Net interest income | 1,639,000 | 3,303,000 | 4,979,000 | 6,608,000 |
| Noninterest income | 141,000 | 215,000 | 372,000 | 521,000 |
| Noninterest expense | 1,133,000 | 2,185,000 | 3,281,000 | 4,419,000 |
| Provision for loan losses | 125,000 | 225,000 | 280,000 | 280,000 |
| Pretax income | 522,000 | 1,108,000 | 1,790,000 | 2,430,000 |
| Income tax | 165,000 | 366,000 | 616,000 | 863,000 |
| Net income | 357,000 | 742,000 | 1,174,000 | 1,567,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,577,000 | 15,961,000 | 16,393,000 | 16,786,000 |
| Total capital | 16,583,000 | 16,941,000 | 17,371,000 | 17,720,000 |
| Risk-weighted assets | 79,645,000 | 77,570,000 | 77,321,000 | 73,848,000 |