Call reports 2005
FIRST GASTON BANK OF NORTH CAROLINA — 2005
What FIRST GASTON BANK OF NORTH CAROLINA 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 | 212,037,000 | 216,691,000 | 222,465,000 | 223,539,000 |
| Total loans | 156,026,000 | 162,264,000 | 168,650,000 | 172,688,000 |
| Allowance for loan losses | 2,151,000 | 2,122,000 | 2,195,000 | 2,349,000 |
| Securities available for sale | 37,171,000 | 36,634,000 | 35,070,000 | 34,270,000 |
| Securities held to maturity | 250,000 | 250,000 | 250,000 | 250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,573,000 | 173,523,000 | 184,000,000 | 186,853,000 |
| Interest-bearing deposits | 150,550,000 | 152,473,000 | 161,373,000 | 167,589,000 |
| Noninterest-bearing deposits | 21,024,000 | 21,051,000 | 22,627,000 | 19,264,000 |
| Equity capital | 18,108,000 | 18,928,000 | 18,757,000 | 19,186,000 |
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 | 3,004,000 | 6,151,000 | 9,499,000 | 13,164,000 |
| Interest expense | 945,000 | 2,010,000 | 3,255,000 | 4,718,000 |
| Net interest income | 2,059,000 | 4,141,000 | 6,244,000 | 8,446,000 |
| Noninterest income | 515,000 | 1,165,000 | 1,839,000 | 2,506,000 |
| Noninterest expense | 1,511,000 | 3,110,000 | 5,963,000 | 7,699,000 |
| Provision for loan losses | 0 | 0 | 60,000 | 170,000 |
| Pretax income | 1,063,000 | 2,198,000 | 2,051,000 | 3,074,000 |
| Income tax | 380,000 | 781,000 | 691,000 | 1,078,000 |
| Net income | 683,000 | 1,417,000 | 1,360,000 | 1,996,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,645,000 | 18,375,000 | 18,326,000 | 18,969,000 |
| Total capital | 19,777,000 | 20,498,000 | 20,521,000 | 21,318,000 |
| Risk-weighted assets | 170,523,000 | 175,505,000 | 186,204,000 | 190,445,000 |