Call reports 2002
GAINESVILLE BANK & TRUST — 2002
What GAINESVILLE BANK & TRUST 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 | 334,446,000 | 345,945,000 | 369,096,000 | 374,338,000 |
| Total loans | 253,947,000 | 266,463,000 | 273,594,000 | 266,323,000 |
| Allowance for loan losses | 3,012,000 | 3,081,000 | 3,175,000 | 3,075,000 |
| Securities available for sale | 48,109,000 | 51,173,000 | 49,348,000 | 55,264,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 265,002,000 | 275,222,000 | 292,277,000 | 292,423,000 |
| Interest-bearing deposits | 229,909,000 | 233,596,000 | 251,161,000 | 252,307,000 |
| Noninterest-bearing deposits | 35,093,000 | 41,626,000 | 41,116,000 | 40,116,000 |
| Equity capital | 23,665,000 | 24,775,000 | 25,765,000 | 26,429,000 |
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 | 5,370,000 | 10,868,000 | 16,471,000 | 22,003,000 |
| Interest expense | 2,413,000 | 4,698,000 | 6,964,000 | 9,097,000 |
| Net interest income | 2,957,000 | 6,170,000 | 9,507,000 | 12,906,000 |
| Noninterest income | 784,000 | 1,559,000 | 2,515,000 | 3,533,000 |
| Noninterest expense | 2,534,000 | 5,167,000 | 8,018,000 | 10,997,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 1,211,000 | 2,461,000 | 3,831,000 | 5,164,000 |
| Income tax | 402,000 | 824,000 | 1,294,000 | 1,747,000 |
| Net income | 809,000 | 1,637,000 | 2,537,000 | 3,417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,421,000 | 24,025,000 | 24,699,000 | 25,355,000 |
| Total capital | 26,433,000 | 27,106,000 | 27,874,000 | 28,430,000 |
| Risk-weighted assets | 256,275,000 | 268,511,000 | 277,442,000 | 270,544,000 |