Call reports 2009
FIRST BANK OF GEORGIA — 2009
What FIRST BANK OF GEORGIA 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 | 467,509,000 | 488,179,000 | 477,765,000 | 483,916,000 |
| Total loans | 380,123,000 | 394,971,000 | 389,275,000 | 394,984,000 |
| Allowance for loan losses | 4,765,000 | 5,142,000 | 5,470,000 | 5,072,000 |
| Securities available for sale | 51,550,000 | 48,304,000 | 47,157,000 | 44,461,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 395,744,000 | 399,527,000 | 396,719,000 | 405,425,000 |
| Interest-bearing deposits | 359,025,000 | 362,652,000 | 358,410,000 | 363,453,000 |
| Noninterest-bearing deposits | 36,719,000 | 36,875,000 | 38,309,000 | 41,972,000 |
| Equity capital | 39,372,000 | 40,378,000 | 42,392,000 | 43,057,000 |
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 | 5,779,000 | 11,934,000 | 18,219,000 | 24,604,000 |
| Interest expense | 2,643,000 | 5,225,000 | 7,626,000 | 9,716,000 |
| Net interest income | 3,136,000 | 6,709,000 | 10,593,000 | 14,888,000 |
| Noninterest income | 2,620,000 | 6,309,000 | 10,531,000 | 14,102,000 |
| Noninterest expense | 4,591,000 | 9,942,000 | 15,262,000 | 20,656,000 |
| Provision for loan losses | 627,000 | 1,240,000 | 1,910,000 | 3,082,000 |
| Pretax income | 550,000 | 1,887,000 | 4,003,000 | 5,308,000 |
| Income tax | 108,000 | 488,000 | 1,082,000 | 1,389,000 |
| Net income | 442,000 | 1,399,000 | 2,921,000 | 3,919,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,233,000 | 40,190,000 | 41,713,000 | 42,710,000 |
| Total capital | 43,998,000 | 45,332,000 | 46,821,000 | 47,782,000 |
| Risk-weighted assets | 408,569,000 | 416,083,000 | 408,262,000 | 408,724,000 |
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