Call reports 2008
FIRST BANK OF GEORGIA — 2008
What FIRST BANK OF GEORGIA 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 | 460,559,000 | 456,213,000 | 451,202,000 | 460,726,000 |
| Total loans | 368,527,000 | 365,667,000 | 360,416,000 | 364,695,000 |
| Allowance for loan losses | 5,275,000 | 5,042,000 | 5,443,000 | 4,284,000 |
| Securities available for sale | 61,052,000 | 57,862,000 | 58,826,000 | 57,593,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 390,891,000 | 373,255,000 | 366,597,000 | 377,624,000 |
| Interest-bearing deposits | 373,908,000 | 359,902,000 | 332,274,000 | 342,888,000 |
| Noninterest-bearing deposits | 16,983,000 | 13,353,000 | 34,323,000 | 34,736,000 |
| Equity capital | 37,247,000 | 37,113,000 | 38,651,000 | 38,999,000 |
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 | 7,103,000 | 13,803,000 | 20,248,000 | 26,370,000 |
| Interest expense | 3,897,000 | 7,188,000 | 10,169,000 | 13,010,000 |
| Net interest income | 3,206,000 | 6,615,000 | 10,079,000 | 13,360,000 |
| Noninterest income | 2,432,000 | 4,785,000 | 7,625,000 | 9,793,000 |
| Noninterest expense | 4,232,000 | 8,696,000 | 13,069,000 | 17,503,000 |
| Provision for loan losses | 237,000 | 208,000 | 726,000 | 1,456,000 |
| Pretax income | 1,189,000 | 2,553,000 | 3,966,000 | 4,320,000 |
| Income tax | 378,000 | 821,000 | 1,227,000 | 1,337,000 |
| Net income | 811,000 | 1,732,000 | 2,739,000 | 2,983,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,619,000 | 37,540,000 | 38,547,000 | 38,791,000 |
| Total capital | 41,515,000 | 42,408,000 | 43,453,000 | 43,075,000 |
| Risk-weighted assets | 391,313,000 | 389,257,000 | 391,920,000 | 404,035,000 |
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