Call reports 2006
GWINNETT BANKING COMPANY — 2006
What GWINNETT BANKING COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 418,311,000 | 410,162,000 | 397,724,000 | 465,463,000 |
| Total loans | 352,362,000 | 343,568,000 | 344,634,000 | 341,532,000 |
| Allowance for loan losses | 4,093,000 | 4,128,000 | 4,149,000 | 4,272,000 |
| Securities available for sale | 32,114,000 | 32,426,000 | 32,779,000 | 32,945,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 376,530,000 | 366,399,000 | 349,287,000 | 337,870,000 |
| Interest-bearing deposits | 343,647,000 | 328,235,000 | 313,162,000 | 301,630,000 |
| Noninterest-bearing deposits | 32,883,000 | 38,164,000 | 36,125,000 | 36,240,000 |
| Equity capital | 33,329,000 | 35,214,000 | 37,655,000 | 100,985,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 8,052,000 | 16,813,000 | 25,702,000 | 34,642,000 |
| Interest expense | 3,365,000 | 7,141,000 | 11,139,000 | 15,217,000 |
| Net interest income | 4,687,000 | 9,672,000 | 14,563,000 | 19,425,000 |
| Noninterest income | 444,000 | 1,194,000 | 2,074,000 | 2,507,000 |
| Noninterest expense | 2,164,000 | 4,407,000 | 6,739,000 | 14,065,000 |
| Provision for loan losses | 451,000 | 481,000 | 511,000 | 634,000 |
| Pretax income | 2,516,000 | 5,978,000 | 9,387,000 | 7,233,000 |
| Income tax | 920,000 | 2,199,000 | 3,458,000 | 2,594,000 |
| Net income | 1,596,000 | 3,779,000 | 5,929,000 | 4,639,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,890,000 | 36,073,000 | 38,223,000 | 35,382,000 |
| Total capital | 37,983,000 | 40,201,000 | 42,372,000 | 39,654,000 |
| Risk-weighted assets | 362,576,000 | 361,910,000 | 362,213,000 | 356,999,000 |