Call reports 2005
GNB BANK — 2005
What GNB BANK 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 | 146,581,000 | 147,183,000 | 153,941,000 | 152,469,000 |
| Total loans | 87,226,000 | 89,723,000 | 95,265,000 | 95,053,000 |
| Allowance for loan losses | 980,000 | 982,000 | 985,000 | 985,000 |
| Securities available for sale | 42,203,000 | 44,772,000 | 44,286,000 | 42,741,000 |
| Securities held to maturity | 1,326,000 | 1,277,000 | 1,541,000 | 1,387,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,522,000 | 98,308,000 | 101,333,000 | 99,443,000 |
| Interest-bearing deposits | 92,669,000 | 88,532,000 | 91,358,000 | 86,559,000 |
| Noninterest-bearing deposits | 11,853,000 | 9,776,000 | 9,975,000 | 12,884,000 |
| Equity capital | 15,729,000 | 16,179,000 | 16,091,000 | 15,994,000 |
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 | 1,760,000 | 3,605,000 | 5,568,000 | 7,702,000 |
| Interest expense | 687,000 | 1,453,000 | 2,328,000 | 3,251,000 |
| Net interest income | 1,073,000 | 2,152,000 | 3,240,000 | 4,451,000 |
| Noninterest income | 435,000 | 915,000 | 1,441,000 | 1,892,000 |
| Noninterest expense | 1,078,000 | 2,060,000 | 3,096,000 | 4,272,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 410,000 | 987,000 | 1,565,000 | 2,051,000 |
| Income tax | 82,000 | 206,000 | 329,000 | 423,000 |
| Net income | 328,000 | 781,000 | 1,236,000 | 1,628,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,688,000 | 14,861,000 | 15,001,000 | 15,078,000 |
| Total capital | 15,668,000 | 15,843,000 | 15,986,000 | 16,063,000 |
| Risk-weighted assets | 107,952,000 | 114,074,000 | 121,905,000 | 122,583,000 |