Call reports 2008
GNB BANK — 2008
What GNB BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 173,926,000 | 169,165,000 | 166,516,000 | 169,765,000 |
| Total loans | 107,268,000 | 102,898,000 | 103,946,000 | 109,474,000 |
| Allowance for loan losses | 1,023,000 | 1,037,000 | 1,046,000 | 1,276,000 |
| Securities available for sale | 46,487,000 | 46,440,000 | 45,404,000 | 44,934,000 |
| Securities held to maturity | 1,398,000 | 1,338,000 | 1,296,000 | 1,296,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,312,000 | 111,261,000 | 108,061,000 | 103,116,000 |
| Interest-bearing deposits | 105,613,000 | 95,356,000 | 92,864,000 | 85,259,000 |
| Noninterest-bearing deposits | 13,699,000 | 15,905,000 | 15,197,000 | 17,857,000 |
| Equity capital | 16,459,000 | 16,075,000 | 16,457,000 | 17,567,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,440,000 | 4,774,000 | 7,033,000 | 9,269,000 |
| Interest expense | 1,252,000 | 2,380,000 | 3,367,000 | 4,226,000 |
| Net interest income | 1,188,000 | 2,394,000 | 3,666,000 | 5,043,000 |
| Noninterest income | 509,000 | 1,226,000 | 1,799,000 | 2,498,000 |
| Noninterest expense | 1,326,000 | 2,550,000 | 3,799,000 | 5,006,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 277,000 |
| Pretax income | 356,000 | 1,237,000 | 1,818,000 | 2,468,000 |
| Income tax | 16,000 | 43,000 | 64,000 | 86,000 |
| Net income | 340,000 | 1,194,000 | 1,754,000 | 2,382,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,393,000 | 14,796,000 | 15,130,000 | 15,607,000 |
| Total capital | 15,416,000 | 15,833,000 | 16,176,000 | 16,883,000 |
| Risk-weighted assets | 137,807,000 | 133,089,000 | 133,637,000 | 136,937,000 |