Call reports 2002
GWINNETT BANKING COMPANY — 2002
What GWINNETT BANKING COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 159,050,000 | 169,309,000 | 189,051,000 | 198,172,000 |
| Total loans | 125,812,000 | 142,697,000 | 154,226,000 | 160,166,000 |
| Allowance for loan losses | 1,685,000 | 1,892,000 | 2,042,000 | 2,174,000 |
| Securities available for sale | 10,703,000 | 11,662,000 | 16,084,000 | 20,282,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,196,000 | 147,921,000 | 166,524,000 | 175,369,000 |
| Interest-bearing deposits | 124,750,000 | 134,951,000 | 148,173,000 | 159,351,000 |
| Noninterest-bearing deposits | 13,446,000 | 12,970,000 | 18,351,000 | 16,018,000 |
| Equity capital | 19,632,000 | 19,957,000 | 20,375,000 | 20,811,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,568,000 | 5,404,000 | 8,398,000 | 11,430,000 |
| Interest expense | 1,251,000 | 2,507,000 | 3,752,000 | 5,029,000 |
| Net interest income | 1,317,000 | 2,897,000 | 4,646,000 | 6,401,000 |
| Noninterest income | 112,000 | 201,000 | 416,000 | 678,000 |
| Noninterest expense | 1,176,000 | 2,405,000 | 3,654,000 | 4,953,000 |
| Provision for loan losses | 158,000 | 367,000 | 512,000 | 644,000 |
| Pretax income | 95,000 | 326,000 | 896,000 | 1,482,000 |
| Income tax | 18,000 | 89,000 | 276,000 | 483,000 |
| Net income | 77,000 | 237,000 | 620,000 | 999,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,689,000 | 19,849,000 | 20,232,000 | 20,611,000 |
| Total capital | 21,331,000 | 21,735,000 | 22,274,000 | 22,743,000 |
| Risk-weighted assets | 131,346,000 | 150,837,000 | 163,625,000 | 170,504,000 |