Call reports 2004
GWINNETT BANKING COMPANY — 2004
What GWINNETT BANKING COMPANY 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 | 268,292,000 | 281,099,000 | 302,925,000 | 313,935,000 |
| Total loans | 224,565,000 | 234,446,000 | 245,459,000 | 252,576,000 |
| Allowance for loan losses | 3,184,000 | 3,443,000 | 3,485,000 | 3,775,000 |
| Securities available for sale | 24,369,000 | 28,692,000 | 29,596,000 | 31,000,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,423,000 | 254,094,000 | 273,490,000 | 282,984,000 |
| Interest-bearing deposits | 215,667,000 | 226,449,000 | 246,646,000 | 257,276,000 |
| Noninterest-bearing deposits | 26,756,000 | 27,645,000 | 26,844,000 | 25,708,000 |
| Equity capital | 23,496,000 | 23,590,000 | 24,979,000 | 26,060,000 |
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 | 3,720,000 | 7,669,000 | 12,018,000 | 16,849,000 |
| Interest expense | 1,249,000 | 2,524,000 | 3,995,000 | 5,624,000 |
| Net interest income | 2,471,000 | 5,145,000 | 8,023,000 | 11,225,000 |
| Noninterest income | 289,000 | 728,000 | 1,109,000 | 1,793,000 |
| Noninterest expense | 1,699,000 | 3,470,000 | 5,288,000 | 7,125,000 |
| Provision for loan losses | 171,000 | 466,000 | 496,000 | 798,000 |
| Pretax income | 905,000 | 1,952,000 | 3,368,000 | 5,115,000 |
| Income tax | 292,000 | 667,000 | 1,165,000 | 1,740,000 |
| Net income | 613,000 | 1,285,000 | 2,203,000 | 3,375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,247,000 | 23,918,000 | 24,837,000 | 26,009,000 |
| Total capital | 26,185,000 | 26,987,000 | 28,104,000 | 29,373,000 |
| Risk-weighted assets | 234,801,000 | 245,278,000 | 261,204,000 | 268,721,000 |