Call reports 2009
COMMUNITY BANK OF GEORGIA — 2009
What COMMUNITY BANK OF GEORGIA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 49,136,000 | 51,407,000 | 51,553,000 | 55,786,000 |
| Total loans | 41,061,000 | 42,375,000 | 40,144,000 | 39,949,000 |
| Allowance for loan losses | 513,000 | 489,000 | 511,000 | 489,000 |
| Securities available for sale | 2,998,000 | 3,004,000 | 3,070,000 | 5,032,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,837,000 | 45,011,000 | 45,093,000 | 49,345,000 |
| Interest-bearing deposits | 39,309,000 | 40,933,000 | 41,367,000 | 46,110,000 |
| Noninterest-bearing deposits | 3,528,000 | 4,078,000 | 3,726,000 | 3,235,000 |
| Equity capital | 5,943,000 | 6,006,000 | 6,064,000 | 6,119,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 731,000 | 1,468,000 | 2,210,000 | 2,951,000 |
| Interest expense | 310,000 | 596,000 | 858,000 | 1,108,000 |
| Net interest income | 421,000 | 872,000 | 1,352,000 | 1,843,000 |
| Noninterest income | 80,000 | 165,000 | 252,000 | 346,000 |
| Noninterest expense | 365,000 | 773,000 | 1,156,000 | 1,533,000 |
| Provision for loan losses | 22,000 | 61,000 | 180,000 | 242,000 |
| Pretax income | 114,000 | 203,000 | 268,000 | 414,000 |
| Income tax | 39,000 | 69,000 | 91,000 | 141,000 |
| Net income | 75,000 | 134,000 | 177,000 | 273,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,943,000 | 6,006,000 | 6,047,000 | 6,142,000 |
| Total capital | 6,456,000 | 6,495,000 | 6,558,000 | 6,631,000 |
| Risk-weighted assets | 41,325,000 | 42,658,000 | 41,278,000 | 41,784,000 |
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