Call reports 2004
GAINESVILLE BANK & TRUST — 2004
What GAINESVILLE BANK & TRUST 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 | 408,471,000 | 404,889,000 | 606,293,000 | 631,475,000 |
| Total loans | 304,761,000 | 305,362,000 | 448,861,000 | 484,917,000 |
| Allowance for loan losses | 3,480,000 | 3,578,000 | 5,715,000 | 5,619,000 |
| Securities available for sale | 60,547,000 | 62,196,000 | 81,337,000 | 78,111,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 323,725,000 | 326,897,000 | 488,386,000 | 468,905,000 |
| Interest-bearing deposits | 275,510,000 | 275,181,000 | 406,861,000 | 392,851,000 |
| Noninterest-bearing deposits | 48,215,000 | 51,716,000 | 81,524,000 | 76,054,000 |
| Equity capital | 28,725,000 | 28,561,000 | 67,915,000 | 69,224,000 |
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 | 5,296,000 | 10,640,000 | 17,690,000 | 26,108,000 |
| Interest expense | 1,679,000 | 3,369,000 | 5,369,000 | 7,696,000 |
| Net interest income | 3,617,000 | 7,271,000 | 12,321,000 | 18,412,000 |
| Noninterest income | 809,000 | 1,478,000 | 2,304,000 | 3,297,000 |
| Noninterest expense | 2,607,000 | 5,256,000 | 9,028,000 | 12,899,000 |
| Provision for loan losses | 135,000 | 270,000 | 405,000 | 450,000 |
| Pretax income | 1,692,000 | 3,231,000 | 5,200,000 | 8,368,000 |
| Income tax | 612,000 | 1,149,000 | 1,822,000 | 2,989,000 |
| Net income | 1,080,000 | 2,082,000 | 3,378,000 | 5,379,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,378,000 | 29,006,000 | 45,537,000 | 47,231,000 |
| Total capital | 31,858,000 | 32,584,000 | 51,178,000 | 52,850,000 |
| Risk-weighted assets | 313,501,000 | 312,768,000 | 451,178,000 | 484,144,000 |