Call reports 2015
GEORGIA FIRST BANK — 2015
What GEORGIA FIRST BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 39,623,000 | 39,981,000 | 41,093,000 | 43,620,000 |
| Total loans | 28,183,000 | 28,244,000 | 29,397,000 | 32,291,000 |
| Allowance for loan losses | 470,000 | 489,000 | 515,000 | 534,000 |
| Securities available for sale | 4,912,000 | 4,812,000 | 4,760,000 | 4,214,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,981,000 | 36,123,000 | 37,030,000 | 39,289,000 |
| Interest-bearing deposits | 22,849,000 | 22,809,000 | 23,927,000 | 24,759,000 |
| Noninterest-bearing deposits | 13,132,000 | 13,314,000 | 13,103,000 | 14,530,000 |
| Equity capital | 3,487,000 | 3,633,000 | 3,882,000 | 4,145,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 484,000 | 991,000 | 1,595,000 | 2,149,000 |
| Interest expense | 20,000 | 42,000 | 64,000 | 88,000 |
| Net interest income | 464,000 | 949,000 | 1,531,000 | 2,061,000 |
| Noninterest income | 113,000 | 226,000 | 351,000 | 418,000 |
| Noninterest expense | 424,000 | 849,000 | 1,320,000 | 1,854,000 |
| Provision for loan losses | 15,000 | 30,000 | 55,000 | 85,000 |
| Pretax income | 138,000 | 296,000 | 507,000 | 540,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 138,000 | 296,000 | 507,000 | 540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,683,000 | 3,841,000 | 4,052,000 | 4,085,000 |
| Total capital | 4,015,000 | 4,169,000 | 4,394,000 | 4,463,000 |
| Risk-weighted assets | 26,462,000 | 26,117,000 | 27,190,000 | 30,108,000 |