Call reports 2013
COMMUNITY BANK OF GEORGIA — 2013
What COMMUNITY BANK OF GEORGIA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 72,221,000 | 72,880,000 | 70,237,000 | 73,170,000 |
| Total loans | 40,053,000 | 40,068,000 | 40,800,000 | 41,310,000 |
| Allowance for loan losses | 834,000 | 784,000 | 813,000 | 808,000 |
| Securities available for sale | 17,955,000 | 17,361,000 | 17,177,000 | 16,829,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,191,000 | 65,103,000 | 62,610,000 | 65,740,000 |
| Interest-bearing deposits | 58,084,000 | 58,050,000 | 56,756,000 | 60,346,000 |
| Noninterest-bearing deposits | 6,107,000 | 7,053,000 | 5,854,000 | 5,394,000 |
| Equity capital | 7,780,000 | 7,527,000 | 7,541,000 | 7,358,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 709,000 | 1,432,000 | 2,158,000 | 2,883,000 |
| Interest expense | 97,000 | 194,000 | 288,000 | 386,000 |
| Net interest income | 612,000 | 1,238,000 | 1,870,000 | 2,497,000 |
| Noninterest income | 75,000 | 145,000 | 221,000 | 298,000 |
| Noninterest expense | 464,000 | 915,000 | 1,385,000 | 1,836,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 270,000 |
| Pretax income | 193,000 | 408,000 | 616,000 | 689,000 |
| Income tax | 68,000 | 144,000 | 216,000 | 241,000 |
| Net income | 125,000 | 264,000 | 400,000 | 448,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,806,000 | 7,945,000 | 8,081,000 | 8,130,000 |
| Total capital | 8,385,000 | 8,531,000 | 8,663,000 | 8,719,000 |
| Risk-weighted assets | 45,335,000 | 45,904,000 | 45,563,000 | 46,859,000 |