Call reports 2004
FIRST GASTON BANK OF NORTH CAROLINA — 2004
What FIRST GASTON BANK OF NORTH CAROLINA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 202,115,000 | 208,407,000 | 212,216,000 | 207,540,000 |
| Total loans | 147,690,000 | 154,906,000 | 156,303,000 | 153,935,000 |
| Allowance for loan losses | 2,088,000 | 2,138,000 | 2,122,000 | 2,273,000 |
| Securities available for sale | 34,568,000 | 35,700,000 | 37,509,000 | 36,339,000 |
| Securities held to maturity | 175,000 | 175,000 | 175,000 | 175,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,451,000 | 166,490,000 | 169,266,000 | 167,242,000 |
| Interest-bearing deposits | 146,934,000 | 146,267,000 | 148,271,000 | 146,420,000 |
| Noninterest-bearing deposits | 20,517,000 | 20,223,000 | 20,995,000 | 20,822,000 |
| Equity capital | 16,608,000 | 16,463,000 | 17,450,000 | 17,609,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,384,000 | 4,840,000 | 7,469,000 | 10,295,000 |
| Interest expense | 802,000 | 1,593,000 | 2,427,000 | 3,280,000 |
| Net interest income | 1,582,000 | 3,247,000 | 5,042,000 | 7,015,000 |
| Noninterest income | 541,000 | 1,131,000 | 1,725,000 | 2,270,000 |
| Noninterest expense | 1,420,000 | 2,737,000 | 4,174,000 | 5,964,000 |
| Provision for loan losses | 30,000 | 136,000 | 296,000 | 696,000 |
| Pretax income | 673,000 | 1,490,000 | 2,282,000 | 2,578,000 |
| Income tax | 234,000 | 496,000 | 781,000 | 862,000 |
| Net income | 439,000 | 994,000 | 1,501,000 | 1,716,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,595,000 | 16,154,000 | 16,666,000 | 16,842,000 |
| Total capital | 17,584,000 | 18,289,000 | 18,784,000 | 18,934,000 |
| Risk-weighted assets | 159,074,000 | 170,808,000 | 170,110,000 | 167,233,000 |
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