Call reports 2007
GNB BANK — 2007
What GNB BANK 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 | 165,604,000 | 161,303,000 | 164,476,000 | 170,482,000 |
| Total loans | 105,536,000 | 103,608,000 | 104,572,000 | 108,784,000 |
| Allowance for loan losses | 1,022,000 | 1,038,000 | 1,054,000 | 1,010,000 |
| Securities available for sale | 41,735,000 | 43,971,000 | 45,635,000 | 45,781,000 |
| Securities held to maturity | 1,485,000 | 1,441,000 | 1,398,000 | 1,398,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,807,000 | 114,449,000 | 117,334,000 | 114,372,000 |
| Interest-bearing deposits | 108,365,000 | 102,344,000 | 105,571,000 | 99,114,000 |
| Noninterest-bearing deposits | 11,442,000 | 12,105,000 | 11,763,000 | 15,258,000 |
| Equity capital | 14,425,000 | 14,342,000 | 15,000,000 | 15,542,000 |
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 | 2,480,000 | 5,011,000 | 7,562,000 | 10,130,000 |
| Interest expense | 1,311,000 | 2,629,000 | 4,012,000 | 5,389,000 |
| Net interest income | 1,169,000 | 2,382,000 | 3,550,000 | 4,741,000 |
| Noninterest income | 533,000 | 1,076,000 | 1,587,000 | 2,219,000 |
| Noninterest expense | 1,233,000 | 2,353,000 | 3,513,000 | 4,633,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 0 |
| Pretax income | 436,000 | 1,057,000 | 1,561,000 | 2,309,000 |
| Income tax | 746,000 | 772,000 | 790,000 | 813,000 |
| Net income | -310,000 | 285,000 | 771,000 | 1,496,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,410,000 | 13,725,000 | 13,888,000 | 14,053,000 |
| Total capital | 14,432,000 | 14,763,000 | 14,942,000 | 15,063,000 |
| Risk-weighted assets | 134,633,000 | 131,706,000 | 133,709,000 | 139,806,000 |