Call reports 2005
GWINNETT BANKING COMPANY — 2005
What GWINNETT BANKING COMPANY 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 | 333,214,000 | 346,962,000 | 360,381,000 | 380,101,000 |
| Total loans | 282,500,000 | 294,080,000 | 304,501,000 | 319,155,000 |
| Allowance for loan losses | 3,125,000 | 3,275,000 | 3,319,000 | 3,701,000 |
| Securities available for sale | 30,261,000 | 31,521,000 | 31,067,000 | 32,411,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 301,077,000 | 310,075,000 | 320,648,000 | 342,652,000 |
| Interest-bearing deposits | 270,613,000 | 277,787,000 | 287,845,000 | 310,606,000 |
| Noninterest-bearing deposits | 30,464,000 | 32,288,000 | 32,803,000 | 32,046,000 |
| Equity capital | 26,993,000 | 28,904,000 | 30,500,000 | 31,857,000 |
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 | 5,348,000 | 11,464,000 | 17,975,000 | 25,169,000 |
| Interest expense | 1,789,000 | 3,935,000 | 6,467,000 | 9,324,000 |
| Net interest income | 3,559,000 | 7,529,000 | 11,508,000 | 15,845,000 |
| Noninterest income | 698,000 | 1,683,000 | 2,445,000 | 2,983,000 |
| Noninterest expense | 2,017,000 | 4,279,000 | 6,230,000 | 8,222,000 |
| Provision for loan losses | 256,000 | 405,000 | 471,000 | 853,000 |
| Pretax income | 1,984,000 | 4,528,000 | 7,252,000 | 9,777,000 |
| Income tax | 718,000 | 1,647,000 | 2,646,000 | 3,492,000 |
| Net income | 1,266,000 | 2,881,000 | 4,606,000 | 6,285,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,275,000 | 28,889,000 | 30,615,000 | 32,294,000 |
| Total capital | 30,400,000 | 32,164,000 | 33,934,000 | 35,995,000 |
| Risk-weighted assets | 296,952,000 | 306,932,000 | 324,283,000 | 338,441,000 |