Call reports 2010
BANK OF GASSAWAY — 2010
What BANK OF GASSAWAY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 168,776,000 | 163,500,000 | 163,495,000 | 162,103,000 |
| Total loans | 88,599,000 | 89,788,000 | 90,125,000 | 89,849,000 |
| Allowance for loan losses | 1,260,000 | 1,309,000 | 1,272,000 | 1,360,000 |
| Securities available for sale | 42,579,000 | 53,035,000 | 54,981,000 | 45,495,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 50,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,869,000 | 141,005,000 | 140,396,000 | 139,637,000 |
| Interest-bearing deposits | 108,083,000 | 107,906,000 | 109,581,000 | 103,382,000 |
| Noninterest-bearing deposits | 38,786,000 | 33,099,000 | 30,815,000 | 36,255,000 |
| Equity capital | 20,911,000 | 21,373,000 | 21,834,000 | 21,489,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,939,000 | 3,889,000 | 5,834,000 | 7,734,000 |
| Interest expense | 414,000 | 802,000 | 1,178,000 | 1,541,000 |
| Net interest income | 1,525,000 | 3,087,000 | 4,656,000 | 6,193,000 |
| Noninterest income | 227,000 | 488,000 | 742,000 | 1,127,000 |
| Noninterest expense | 1,304,000 | 2,735,000 | 4,093,000 | 5,739,000 |
| Provision for loan losses | 40,000 | 85,000 | 130,000 | 275,000 |
| Pretax income | 408,000 | 746,000 | 1,150,000 | 1,349,000 |
| Income tax | 154,000 | 287,000 | 433,000 | 412,000 |
| Net income | 254,000 | 459,000 | 717,000 | 937,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,941,000 | 21,146,000 | 21,405,000 | 21,624,000 |
| Total capital | 22,040,000 | 22,240,000 | 22,500,000 | 22,714,000 |
| Risk-weighted assets | 87,762,000 | 87,308,000 | 87,409,000 | 86,954,000 |