Call reports 2020
COMMUNITY BANK OF GEORGIA — 2020
What COMMUNITY BANK OF GEORGIA reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 138,732,000 | 144,724,000 | 138,989,000 | 136,412,000 |
| Total loans | 101,477,000 | 104,416,000 | 98,700,000 | 95,932,000 |
| Allowance for loan losses | 1,673,000 | 1,760,000 | 1,813,000 | 1,896,000 |
| Securities available for sale | 18,796,000 | 14,702,000 | 14,627,000 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,638,000 | 130,002,000 | 124,608,000 | 121,886,000 |
| Interest-bearing deposits | 108,828,000 | 107,166,000 | 102,865,000 | 101,804,000 |
| Noninterest-bearing deposits | 15,810,000 | 22,836,000 | 21,743,000 | 20,082,000 |
| Equity capital | 13,234,000 | 13,535,000 | 13,853,000 | 13,994,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,798,000 | 3,452,000 | 5,036,000 | 6,604,000 |
| Interest expense | 476,000 | 883,000 | 1,216,000 | 1,487,000 |
| Net interest income | 1,322,000 | 2,569,000 | 3,820,000 | 5,117,000 |
| Noninterest income | 85,000 | 141,000 | 208,000 | 307,000 |
| Noninterest expense | 689,000 | 1,387,000 | 2,099,000 | 2,797,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 643,000 | 1,173,000 | 1,704,000 | 2,327,000 |
| Income tax | 219,000 | 399,000 | 579,000 | 711,000 |
| Net income | 424,000 | 774,000 | 1,125,000 | 1,616,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,094,000 | 13,444,000 | 13,794,000 | 13,994,000 |
| Total capital | 14,473,000 | 14,878,000 | 15,160,000 | 15,312,000 |
| Risk-weighted assets | 110,040,000 | 114,270,000 | 108,689,000 | 104,764,000 |