Call reports 2005
GAINESVILLE BANK & TRUST — 2005
What GAINESVILLE BANK & TRUST 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 | 633,292,000 | 654,987,000 | 691,857,000 | 641,496,000 |
| Total loans | 487,934,000 | 496,045,000 | 511,097,000 | 499,752,000 |
| Allowance for loan losses | 5,635,000 | 5,541,000 | 5,609,000 | 5,765,000 |
| Securities available for sale | 73,008,000 | 72,714,000 | 73,319,000 | 73,093,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 486,828,000 | 504,691,000 | 511,731,000 | 514,847,000 |
| Interest-bearing deposits | 404,996,000 | 416,922,000 | 410,963,000 | 428,501,000 |
| Noninterest-bearing deposits | 81,832,000 | 87,769,000 | 100,768,000 | 86,346,000 |
| Equity capital | 69,687,000 | 71,422,000 | 72,327,000 | 69,291,000 |
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 | 8,663,000 | 17,900,000 | 27,727,000 | 38,183,000 |
| Interest expense | 2,541,000 | 5,560,000 | 9,165,000 | 13,191,000 |
| Net interest income | 6,122,000 | 12,340,000 | 18,562,000 | 24,992,000 |
| Noninterest income | 907,000 | 1,924,000 | 2,954,000 | 3,890,000 |
| Noninterest expense | 4,202,000 | 8,369,000 | 12,704,000 | 16,931,000 |
| Provision for loan losses | 158,000 | 317,000 | 475,000 | 716,000 |
| Pretax income | 2,669,000 | 5,578,000 | 8,337,000 | 11,235,000 |
| Income tax | 910,000 | 1,982,000 | 2,988,000 | 4,046,000 |
| Net income | 1,759,000 | 3,596,000 | 5,349,000 | 7,189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,468,000 | 49,784,000 | 51,014,000 | 52,334,000 |
| Total capital | 54,103,000 | 55,325,000 | 56,623,000 | 58,099,000 |
| Risk-weighted assets | 493,265,000 | 506,597,000 | 527,956,000 | 509,083,000 |