Call reports 2004
GNB BANK — 2004
What GNB BANK 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 | 136,324,000 | 137,115,000 | 138,047,000 | 138,335,000 |
| Total loans | 79,595,000 | 85,177,000 | 83,185,000 | 87,588,000 |
| Allowance for loan losses | 969,000 | 999,000 | 1,011,000 | 964,000 |
| Securities available for sale | 38,372,000 | 40,065,000 | 39,370,000 | 38,508,000 |
| Securities held to maturity | 927,000 | 884,000 | 1,334,000 | 1,326,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,226,000 | 94,607,000 | 101,130,000 | 96,408,000 |
| Interest-bearing deposits | 84,769,000 | 84,049,000 | 91,023,000 | 85,343,000 |
| Noninterest-bearing deposits | 12,457,000 | 10,558,000 | 10,107,000 | 11,065,000 |
| Equity capital | 16,023,000 | 15,653,000 | 15,775,000 | 15,729,000 |
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 | 1,604,000 | 3,202,000 | 4,842,000 | 6,537,000 |
| Interest expense | 534,000 | 1,075,000 | 1,698,000 | 2,345,000 |
| Net interest income | 1,070,000 | 2,127,000 | 3,144,000 | 4,192,000 |
| Noninterest income | 416,000 | 862,000 | 1,360,000 | 1,851,000 |
| Noninterest expense | 1,086,000 | 2,024,000 | 3,031,000 | 4,160,000 |
| Provision for loan losses | 15,000 | 30,000 | 40,000 | 0 |
| Pretax income | 400,000 | 939,000 | 1,437,000 | 1,887,000 |
| Income tax | 82,000 | 206,000 | 317,000 | 390,000 |
| Net income | 318,000 | 733,000 | 1,120,000 | 1,497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,223,000 | 14,324,000 | 14,220,000 | 14,361,000 |
| Total capital | 15,192,000 | 15,323,000 | 15,231,000 | 15,325,000 |
| Risk-weighted assets | 98,889,000 | 102,603,000 | 101,028,000 | 104,587,000 |