Call reports 2001
GWINNETT BANKING COMPANY — 2001
What GWINNETT BANKING COMPANY reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 105,421,000 | 120,010,000 | 127,107,000 | 144,904,000 |
| Total loans | 83,517,000 | 92,237,000 | 108,454,000 | 122,158,000 |
| Allowance for loan losses | 1,221,000 | 1,259,000 | 1,352,000 | 1,532,000 |
| Securities available for sale | 8,632,000 | 9,516,000 | 9,117,000 | 9,327,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,418,000 | 109,694,000 | 116,511,000 | 126,646,000 |
| Interest-bearing deposits | 84,788,000 | 98,322,000 | 105,101,000 | 115,269,000 |
| Noninterest-bearing deposits | 10,630,000 | 11,372,000 | 11,410,000 | 11,377,000 |
| Equity capital | 9,319,000 | 9,414,000 | 9,571,000 | 17,269,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,453,000 | 4,956,000 | 7,567,000 | 10,215,000 |
| Interest expense | 1,339,000 | 2,689,000 | 4,083,000 | 5,446,000 |
| Net interest income | 1,114,000 | 2,267,000 | 3,484,000 | 4,769,000 |
| Noninterest income | 95,000 | 199,000 | 280,000 | 389,000 |
| Noninterest expense | 984,000 | 2,012,000 | 3,084,000 | 4,155,000 |
| Provision for loan losses | 115,000 | 153,000 | 246,000 | 426,000 |
| Pretax income | 110,000 | 301,000 | 434,000 | 577,000 |
| Income tax | 42,000 | 114,000 | 165,000 | 163,000 |
| Net income | 68,000 | 187,000 | 269,000 | 414,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,266,000 | 9,385,000 | 9,467,000 | 17,212,000 |
| Total capital | 10,367,000 | 10,611,000 | 10,819,000 | 18,744,000 |
| Risk-weighted assets | 87,978,000 | 98,001,000 | 113,635,000 | 126,852,000 |