Call reports 2005
GEORGIA HERITAGE BANK — 2005
What GEORGIA HERITAGE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q4 |
|---|---|
| Total assets | 29,804,000 |
| Total loans | 7,558,000 |
| Allowance for loan losses | 95,000 |
| Securities available for sale | 0 |
| Securities held to maturity | 0 |
| Trading assets | 0 |
| Total deposits | 15,288,000 |
| Interest-bearing deposits | 14,395,000 |
| Noninterest-bearing deposits | 893,000 |
| Equity capital | 14,144,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q4 |
|---|---|
| Interest income | 274,000 |
| Interest expense | 131,000 |
| Net interest income | 143,000 |
| Noninterest income | 217,000 |
| Noninterest expense | 1,095,000 |
| Provision for loan losses | 95,000 |
| Pretax income | -830,000 |
| Income tax | 0 |
| Net income | -830,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q4 |
|---|---|
| Tier 1 capital | 14,144,000 |
| Total capital | 14,239,000 |
| Risk-weighted assets | 15,020,000 |
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