Call reports 2016
COMMUNITY BANK OF GEORGIA — 2016
What COMMUNITY BANK OF GEORGIA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 74,157,000 | 70,491,000 | 70,384,000 | 73,419,000 |
| Total loans | 42,568,000 | 44,808,000 | 47,511,000 | 49,125,000 |
| Allowance for loan losses | 824,000 | 820,000 | 820,000 | 757,000 |
| Securities available for sale | 11,989,000 | 12,011,000 | 7,227,000 | 7,121,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,375,000 | 60,573,000 | 60,200,000 | 63,237,000 |
| Interest-bearing deposits | 55,729,000 | 52,207,000 | 50,842,000 | 54,233,000 |
| Noninterest-bearing deposits | 8,646,000 | 8,366,000 | 9,358,000 | 9,005,000 |
| Equity capital | 9,594,000 | 9,790,000 | 9,974,000 | 9,907,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 750,000 | 1,544,000 | 2,365,000 | 3,222,000 |
| Interest expense | 70,000 | 135,000 | 196,000 | 257,000 |
| Net interest income | 680,000 | 1,409,000 | 2,169,000 | 2,965,000 |
| Noninterest income | 64,000 | 149,000 | 227,000 | 279,000 |
| Noninterest expense | 501,000 | 1,008,000 | 1,513,000 | 2,005,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 150,000 |
| Pretax income | 213,000 | 490,000 | 793,000 | 1,105,000 |
| Income tax | 72,000 | 167,000 | 270,000 | 377,000 |
| Net income | 141,000 | 323,000 | 523,000 | 728,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,581,000 | 9,764,000 | 9,964,000 | 9,987,000 |
| Total capital | 10,215,000 | 10,405,000 | 10,620,000 | 10,697,000 |
| Risk-weighted assets | 50,559,000 | 51,152,000 | 52,320,000 | 56,759,000 |