Call reports 2008
COMMUNITY BANK OF GEORGIA — 2008
What COMMUNITY BANK OF GEORGIA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 46,176,000 | 46,623,000 | 47,473,000 | 47,877,000 |
| Total loans | 35,619,000 | 37,367,000 | 39,251,000 | 39,323,000 |
| Allowance for loan losses | 393,000 | 471,000 | 482,000 | 518,000 |
| Securities available for sale | 5,036,000 | 4,874,000 | 4,990,000 | 4,513,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,946,000 | 40,284,000 | 41,028,000 | 41,505,000 |
| Interest-bearing deposits | 36,869,000 | 36,647,000 | 37,318,000 | 38,582,000 |
| Noninterest-bearing deposits | 3,077,000 | 3,637,000 | 3,711,000 | 2,923,000 |
| Equity capital | 5,720,000 | 5,726,000 | 5,929,000 | 5,879,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 842,000 | 1,668,000 | 2,489,000 | 3,239,000 |
| Interest expense | 401,000 | 768,000 | 1,105,000 | 1,438,000 |
| Net interest income | 441,000 | 900,000 | 1,384,000 | 1,801,000 |
| Noninterest income | 67,000 | 140,000 | 219,000 | 295,000 |
| Noninterest expense | 347,000 | 700,000 | 1,051,000 | 1,410,000 |
| Provision for loan losses | 23,000 | 101,000 | 124,000 | 307,000 |
| Pretax income | 138,000 | 239,000 | 428,000 | 379,000 |
| Income tax | 14,000 | 1,000 | 66,000 | 82,000 |
| Net income | 124,000 | 238,000 | 362,000 | 297,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,698,000 | 5,810,000 | 5,936,000 | 5,871,000 |
| Total capital | 6,091,000 | 6,281,000 | 6,418,000 | 6,373,000 |
| Risk-weighted assets | 38,443,000 | 39,997,000 | 40,757,000 | 40,149,000 |
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