Call reports 2025
GEORGIA FIRST BANK — 2025
What GEORGIA FIRST BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 254,432,000 | 255,250,000 | 257,854,000 | 275,051,000 |
| Total loans | 180,129,000 | 203,423,000 | 218,558,000 | 223,477,000 |
| Allowance for loan losses | 3,136,000 | 3,332,000 | 3,373,000 | 3,602,000 |
| Securities available for sale | 7,191,000 | 6,955,000 | 6,756,000 | 6,342,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,231,000 | 229,369,000 | 230,649,000 | 247,055,000 |
| Interest-bearing deposits | 188,425,000 | 189,635,000 | 189,266,000 | 205,283,000 |
| Noninterest-bearing deposits | 41,806,000 | 39,734,000 | 41,383,000 | 41,772,000 |
| Equity capital | 22,767,000 | 24,054,000 | 25,300,000 | 26,429,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,288,000 | 9,034,000 | 13,839,000 | 18,716,000 |
| Interest expense | 1,240,000 | 2,532,000 | 3,787,000 | 5,172,000 |
| Net interest income | 3,048,000 | 6,502,000 | 10,052,000 | 13,544,000 |
| Noninterest income | 268,000 | 555,000 | 865,000 | 1,218,000 |
| Noninterest expense | 2,058,000 | 4,070,000 | 6,225,000 | 8,445,000 |
| Provision for loan losses | 250,000 | 475,000 | 775,000 | 1,075,000 |
| Pretax income | 1,008,000 | 2,512,000 | 3,917,000 | 5,242,000 |
| Income tax | 68,000 | 136,000 | 204,000 | 272,000 |
| Net income | 940,000 | 2,376,000 | 3,713,000 | 4,970,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,745,000 | 24,010,000 | 25,228,000 | 26,350,000 |
| Total capital | 24,910,000 | 26,427,000 | 27,806,000 | 28,924,000 |
| Risk-weighted assets | 172,181,000 | 192,451,000 | 205,414,000 | 204,902,000 |