Call reports 2003
GAINESVILLE BANK & TRUST — 2003
What GAINESVILLE BANK & TRUST 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 | 388,163,000 | 382,616,000 | 379,216,000 | 390,844,000 |
| Total loans | 275,535,000 | 279,301,000 | 296,798,000 | 299,111,000 |
| Allowance for loan losses | 3,178,000 | 3,296,000 | 3,374,000 | 3,352,000 |
| Securities available for sale | 53,676,000 | 58,891,000 | 56,480,000 | 55,628,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 299,072,000 | 303,077,000 | 296,473,000 | 310,329,000 |
| Interest-bearing deposits | 254,102,000 | 257,173,000 | 247,879,000 | 262,496,000 |
| Noninterest-bearing deposits | 44,970,000 | 45,904,000 | 48,594,000 | 47,833,000 |
| Equity capital | 26,716,000 | 27,159,000 | 27,212,000 | 27,852,000 |
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 | 5,237,000 | 10,534,000 | 15,881,000 | 21,226,000 |
| Interest expense | 1,925,000 | 3,770,000 | 5,462,000 | 7,077,000 |
| Net interest income | 3,312,000 | 6,764,000 | 10,419,000 | 14,149,000 |
| Noninterest income | 1,106,000 | 2,179,000 | 3,291,000 | 4,170,000 |
| Noninterest expense | 2,883,000 | 5,945,000 | 9,024,000 | 11,934,000 |
| Provision for loan losses | 118,000 | 235,000 | 353,000 | 431,000 |
| Pretax income | 1,417,000 | 2,787,000 | 4,414,000 | 6,035,000 |
| Income tax | 483,000 | 950,000 | 1,519,000 | 1,967,000 |
| Net income | 934,000 | 1,837,000 | 2,895,000 | 4,068,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,864,000 | 26,342,000 | 26,974,000 | 27,674,000 |
| Total capital | 29,042,000 | 29,638,000 | 30,348,000 | 31,026,000 |
| Risk-weighted assets | 282,126,000 | 286,495,000 | 301,307,000 | 307,188,000 |