Call reports 2009
GNB BANK — 2009
What GNB BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 170,632,000 | 167,525,000 | 172,105,000 | 170,375,000 |
| Total loans | 104,416,000 | 103,983,000 | 102,731,000 | 102,430,000 |
| Allowance for loan losses | 1,366,000 | 1,416,000 | 1,294,000 | 1,536,000 |
| Securities available for sale | 46,784,000 | 48,045,000 | 45,203,000 | 48,905,000 |
| Securities held to maturity | 1,296,000 | 1,216,000 | 1,171,000 | 1,171,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,084,000 | 108,419,000 | 115,584,000 | 108,774,000 |
| Interest-bearing deposits | 98,873,000 | 91,497,000 | 98,778,000 | 88,747,000 |
| Noninterest-bearing deposits | 16,211,000 | 16,922,000 | 16,806,000 | 20,027,000 |
| Equity capital | 17,942,000 | 17,882,000 | 18,583,000 | 18,355,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,106,000 | 4,210,000 | 6,271,000 | 8,299,000 |
| Interest expense | 796,000 | 1,584,000 | 2,330,000 | 3,023,000 |
| Net interest income | 1,310,000 | 2,626,000 | 3,941,000 | 5,276,000 |
| Noninterest income | 535,000 | 1,117,000 | 1,754,000 | 2,392,000 |
| Noninterest expense | 1,301,000 | 2,612,000 | 3,941,000 | 5,139,000 |
| Provision for loan losses | 90,000 | 180,000 | 510,000 | 750,000 |
| Pretax income | 553,000 | 1,050,000 | 1,507,000 | 2,042,000 |
| Income tax | 20,000 | 37,000 | 52,000 | 76,000 |
| Net income | 533,000 | 1,013,000 | 1,455,000 | 1,966,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,990,000 | 15,943,000 | 16,084,000 | 16,369,000 |
| Total capital | 17,356,000 | 17,359,000 | 17,378,000 | 17,905,000 |
| Risk-weighted assets | 134,385,000 | 129,114,000 | 128,890,000 | 129,711,000 |