Call reports 2003
GWINNETT BANKING COMPANY — 2003
What GWINNETT BANKING COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 204,774,000 | 222,323,000 | 239,772,000 | 247,456,000 |
| Total loans | 167,135,000 | 191,285,000 | 195,903,000 | 215,137,000 |
| Allowance for loan losses | 2,335,000 | 2,681,000 | 2,764,000 | 3,029,000 |
| Securities available for sale | 19,676,000 | 17,376,000 | 18,874,000 | 22,501,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,989,000 | 198,263,000 | 214,947,000 | 222,608,000 |
| Interest-bearing deposits | 164,490,000 | 173,744,000 | 189,237,000 | 195,732,000 |
| Noninterest-bearing deposits | 17,499,000 | 24,519,000 | 25,710,000 | 26,876,000 |
| Equity capital | 21,166,000 | 21,694,000 | 22,143,000 | 22,731,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,077,000 | 6,310,000 | 9,574,000 | 13,041,000 |
| Interest expense | 1,196,000 | 2,429,000 | 3,614,000 | 4,830,000 |
| Net interest income | 1,881,000 | 3,881,000 | 5,960,000 | 8,211,000 |
| Noninterest income | 292,000 | 709,000 | 1,217,000 | 1,468,000 |
| Noninterest expense | 1,378,000 | 2,773,000 | 4,171,000 | 5,597,000 |
| Provision for loan losses | 168,000 | 523,000 | 768,000 | 1,033,000 |
| Pretax income | 627,000 | 1,294,000 | 2,238,000 | 3,047,000 |
| Income tax | 207,000 | 422,000 | 731,000 | 1,024,000 |
| Net income | 420,000 | 872,000 | 1,507,000 | 2,023,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,031,000 | 21,482,000 | 22,118,000 | 22,634,000 |
| Total capital | 23,279,000 | 24,045,000 | 24,760,000 | 25,513,000 |
| Risk-weighted assets | 179,745,000 | 204,967,000 | 211,240,000 | 230,172,000 |