Call reports 2007
GAINESVILLE BANK & TRUST — 2007
What GAINESVILLE BANK & TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 649,989,000 | 693,004,000 | 677,806,000 | 674,235,000 |
| Total loans | 502,796,000 | 541,611,000 | 538,291,000 | 531,689,000 |
| Allowance for loan losses | 5,204,000 | 5,390,000 | 5,581,000 | 4,774,000 |
| Securities available for sale | 82,004,000 | 82,082,000 | 81,443,000 | 83,024,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 497,415,000 | 518,498,000 | 494,717,000 | 490,841,000 |
| Interest-bearing deposits | 413,226,000 | 428,087,000 | 420,004,000 | 422,333,000 |
| Noninterest-bearing deposits | 84,189,000 | 90,411,000 | 74,713,000 | 68,508,000 |
| Equity capital | 72,277,000 | 72,111,000 | 72,846,000 | 73,273,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 11,466,000 | 23,305,000 | 35,775,000 | 47,521,000 |
| Interest expense | 5,295,000 | 11,089,000 | 17,129,000 | 22,939,000 |
| Net interest income | 6,171,000 | 12,216,000 | 18,646,000 | 24,582,000 |
| Noninterest income | 975,000 | 2,073,000 | 3,453,000 | 4,601,000 |
| Noninterest expense | 4,624,000 | 9,210,000 | 14,048,000 | 18,864,000 |
| Provision for loan losses | 11,000 | 261,000 | 1,843,000 | 3,327,000 |
| Pretax income | 2,510,000 | 4,817,000 | 6,207,000 | 6,992,000 |
| Income tax | 875,000 | 1,642,000 | 2,029,000 | 2,163,000 |
| Net income | 1,635,000 | 3,175,000 | 4,178,000 | 4,829,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,476,000 | 57,124,000 | 57,236,000 | 56,994,000 |
| Total capital | 61,680,000 | 62,514,000 | 62,817,000 | 61,768,000 |
| Risk-weighted assets | 534,348,000 | 594,416,000 | 576,370,000 | 560,179,000 |