Call reports 2011
BANK OF GASSAWAY — 2011
What BANK OF GASSAWAY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 168,514,000 | 165,290,000 | 168,273,000 | 166,688,000 |
| Total loans | 88,473,000 | 88,566,000 | 88,260,000 | 88,736,000 |
| Allowance for loan losses | 1,406,000 | 1,362,000 | 1,384,000 | 1,354,000 |
| Securities available for sale | 53,533,000 | 52,067,000 | 51,017,000 | 50,160,000 |
| Securities held to maturity | 50,000 | 50,000 | 50,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,034,000 | 141,637,000 | 144,305,000 | 142,338,000 |
| Interest-bearing deposits | 107,099,000 | 104,688,000 | 107,517,000 | 107,139,000 |
| Noninterest-bearing deposits | 38,934,000 | 36,949,000 | 36,788,000 | 35,199,000 |
| Equity capital | 21,765,000 | 22,655,000 | 22,915,000 | 23,260,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,893,000 | 3,788,000 | 5,665,000 | 7,508,000 |
| Interest expense | 344,000 | 686,000 | 1,016,000 | 1,332,000 |
| Net interest income | 1,549,000 | 3,102,000 | 4,649,000 | 6,176,000 |
| Noninterest income | 262,000 | 561,000 | 864,000 | 1,173,000 |
| Noninterest expense | 1,310,000 | 2,790,000 | 4,209,000 | 5,530,000 |
| Provision for loan losses | 55,000 | 65,000 | 80,000 | 114,000 |
| Pretax income | 431,000 | 781,000 | 1,185,000 | 1,653,000 |
| Income tax | 155,000 | 281,000 | 406,000 | 530,000 |
| Net income | 276,000 | 500,000 | 779,000 | 1,123,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,900,000 | 22,123,000 | 22,203,000 | 22,548,000 |
| Total capital | 22,989,000 | 23,199,000 | 23,289,000 | 23,626,000 |
| Risk-weighted assets | 86,767,000 | 85,759,000 | 86,598,000 | 85,925,000 |