Call reports 2007
GEORGIA FIRST BANK — 2007
What GEORGIA FIRST 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 | 45,660,000 | 47,080,000 | 49,002,000 | 50,880,000 |
| Total loans | 27,146,000 | 28,277,000 | 31,138,000 | 30,574,000 |
| Allowance for loan losses | 555,000 | 591,000 | 599,000 | 628,000 |
| Securities available for sale | 14,068,000 | 14,086,000 | 13,953,000 | 15,144,000 |
| Securities held to maturity | 190,000 | 190,000 | 190,000 | 190,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,400,000 | 40,328,000 | 41,215,000 | 42,378,000 |
| Interest-bearing deposits | 24,848,000 | 32,328,000 | 34,090,000 | 33,678,000 |
| Noninterest-bearing deposits | 14,552,000 | 8,000,000 | 7,125,000 | 8,700,000 |
| Equity capital | 4,957,000 | 4,962,000 | 5,239,000 | 5,422,000 |
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 | 797,000 | 1,633,000 | 2,517,000 | 3,373,000 |
| Interest expense | 309,000 | 624,000 | 960,000 | 1,302,000 |
| Net interest income | 488,000 | 1,009,000 | 1,557,000 | 2,071,000 |
| Noninterest income | 101,000 | 209,000 | 347,000 | 470,000 |
| Noninterest expense | 427,000 | 838,000 | 1,261,000 | 1,661,000 |
| Provision for loan losses | 30,000 | 60,000 | 75,000 | 105,000 |
| Pretax income | 132,000 | 320,000 | 568,000 | 776,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 132,000 | 320,000 | 568,000 | 776,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,972,000 | 5,078,000 | 5,213,000 | 5,272,000 |
| Total capital | 5,370,000 | 5,483,000 | 5,646,000 | 5,714,000 |
| Risk-weighted assets | 31,720,000 | 32,247,000 | 34,449,000 | 35,152,000 |
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