Call reports 2006
GAINESVILLE BANK & TRUST — 2006
What GAINESVILLE BANK & TRUST 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 | 659,076,000 | 657,522,000 | 676,028,000 | 636,446,000 |
| Total loans | 511,369,000 | 510,632,000 | 519,487,000 | 499,784,000 |
| Allowance for loan losses | 6,070,000 | 5,792,000 | 5,830,000 | 5,308,000 |
| Securities available for sale | 70,952,000 | 73,475,000 | 78,867,000 | 81,018,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 524,970,000 | 520,890,000 | 506,460,000 | 478,475,000 |
| Interest-bearing deposits | 429,786,000 | 423,407,000 | 419,896,000 | 399,652,000 |
| Noninterest-bearing deposits | 95,184,000 | 97,483,000 | 86,564,000 | 78,823,000 |
| Equity capital | 69,807,000 | 68,623,000 | 71,211,000 | 71,636,000 |
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 | 10,529,000 | 21,833,000 | 33,808,000 | 46,215,000 |
| Interest expense | 4,041,000 | 8,573,000 | 13,778,000 | 19,357,000 |
| Net interest income | 6,488,000 | 13,260,000 | 20,030,000 | 26,858,000 |
| Noninterest income | 963,000 | 1,947,000 | 3,010,000 | 4,018,000 |
| Noninterest expense | 4,526,000 | 8,955,000 | 13,509,000 | 18,236,000 |
| Provision for loan losses | 490,000 | 680,000 | 943,000 | 947,000 |
| Pretax income | 2,435,000 | 5,572,000 | 8,588,000 | 11,691,000 |
| Income tax | 876,000 | 2,022,000 | 3,102,000 | 4,138,000 |
| Net income | 1,559,000 | 3,550,000 | 5,486,000 | 7,553,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,073,000 | 52,450,000 | 54,464,000 | 55,733,000 |
| Total capital | 59,143,000 | 58,242,000 | 60,294,000 | 61,041,000 |
| Risk-weighted assets | 527,589,000 | 537,883,000 | 551,333,000 | 531,989,000 |