Call reports 2005
COMMUNITY BANK OF GEORGIA — 2005
What COMMUNITY BANK OF GEORGIA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 19,675,000 | 23,713,000 | 26,890,000 | 32,721,000 |
| Total loans | 13,000,000 | 14,844,000 | 17,853,000 | 19,202,000 |
| Allowance for loan losses | 117,000 | 155,000 | 187,000 | 194,000 |
| Securities available for sale | 3,213,000 | 3,224,000 | 3,217,000 | 3,199,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,886,000 | 18,924,000 | 22,074,000 | 27,851,000 |
| Interest-bearing deposits | 13,393,000 | 17,214,000 | 20,007,000 | 25,725,000 |
| Noninterest-bearing deposits | 1,493,000 | 1,710,000 | 2,067,000 | 2,126,000 |
| Equity capital | 4,700,000 | 4,661,000 | 4,649,000 | 4,641,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 227,000 | 530,000 | 931,000 | 1,389,000 |
| Interest expense | 65,000 | 157,000 | 304,000 | 495,000 |
| Net interest income | 162,000 | 373,000 | 627,000 | 894,000 |
| Noninterest income | 13,000 | 33,000 | 53,000 | 83,000 |
| Noninterest expense | 240,000 | 478,000 | 728,000 | 1,012,000 |
| Provision for loan losses | 22,000 | 60,000 | 92,000 | 100,000 |
| Pretax income | -87,000 | -132,000 | -140,000 | -135,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -87,000 | -132,000 | -140,000 | -135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,722,000 | 4,676,000 | 4,668,000 | 4,674,000 |
| Total capital | 4,839,000 | 4,831,000 | 4,855,000 | 4,868,000 |
| Risk-weighted assets | 15,179,000 | 17,667,000 | 21,159,000 | 25,594,000 |
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