Call reports 2012
GEORGIA FIRST BANK — 2012
What GEORGIA FIRST BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 32,765,000 | 32,783,000 | 32,870,000 | 32,778,000 |
| Total loans | 15,138,000 | 17,063,000 | 19,606,000 | 20,040,000 |
| Allowance for loan losses | 246,000 | 309,000 | 311,000 | 388,000 |
| Securities available for sale | 8,906,000 | 7,751,000 | 6,455,000 | 5,621,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,884,000 | 29,969,000 | 30,041,000 | 30,260,000 |
| Interest-bearing deposits | 20,196,000 | 20,206,000 | 20,472,000 | 20,135,000 |
| Noninterest-bearing deposits | 9,688,000 | 9,763,000 | 9,569,000 | 10,125,000 |
| Equity capital | 2,596,000 | 2,503,000 | 2,494,000 | 2,182,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 310,000 | 646,000 | 1,006,000 | 1,373,000 |
| Interest expense | 41,000 | 77,000 | 110,000 | 143,000 |
| Net interest income | 269,000 | 569,000 | 896,000 | 1,230,000 |
| Noninterest income | 109,000 | 171,000 | 159,000 | -42,000 |
| Noninterest expense | 330,000 | 704,000 | 1,050,000 | 1,455,000 |
| Provision for loan losses | 90,000 | 180,000 | 180,000 | 255,000 |
| Pretax income | -42,000 | -138,000 | -169,000 | -510,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -42,000 | -138,000 | -169,000 | -510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,829,000 | 2,733,000 | 2,701,000 | 2,360,000 |
| Total capital | 3,075,000 | 2,988,000 | 2,971,000 | 2,628,000 |
| Risk-weighted assets | 19,863,000 | 20,365,000 | 21,598,000 | 21,334,000 |