Call reports 2015
COMMUNITY BANK OF GEORGIA — 2015
What COMMUNITY BANK OF GEORGIA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 72,306,000 | 73,236,000 | 73,102,000 | 73,658,000 |
| Total loans | 40,249,000 | 41,124,000 | 42,556,000 | 40,435,000 |
| Allowance for loan losses | 844,000 | 864,000 | 1,015,000 | 796,000 |
| Securities available for sale | 8,702,000 | 10,981,000 | 7,422,000 | 12,792,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,215,000 | 64,188,000 | 63,586,000 | 64,068,000 |
| Interest-bearing deposits | 57,222,000 | 54,852,000 | 53,849,000 | 56,016,000 |
| Noninterest-bearing deposits | 5,993,000 | 9,336,000 | 9,737,000 | 8,052,000 |
| Equity capital | 8,814,000 | 8,797,000 | 9,189,000 | 9,333,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 729,000 | 1,453,000 | 2,723,000 | 3,528,000 |
| Interest expense | 79,000 | 153,000 | 225,000 | 295,000 |
| Net interest income | 650,000 | 1,300,000 | 2,498,000 | 3,233,000 |
| Noninterest income | 69,000 | 155,000 | 215,000 | 289,000 |
| Noninterest expense | 567,000 | 1,092,000 | 1,595,000 | 2,044,000 |
| Provision for loan losses | 30,000 | 60,000 | 416,000 | 446,000 |
| Pretax income | 122,000 | 303,000 | 702,000 | 1,032,000 |
| Income tax | 42,000 | 103,000 | 239,000 | 351,000 |
| Net income | 80,000 | 200,000 | 463,000 | 681,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,840,000 | 8,960,000 | 9,222,000 | 9,440,000 |
| Total capital | 9,443,000 | 9,563,000 | 9,833,000 | 10,041,000 |
| Risk-weighted assets | 48,078,000 | 48,053,000 | 48,496,000 | 47,758,000 |