Call reports 2006
GEORGIA HERITAGE BANK — 2006
What GEORGIA HERITAGE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 41,086,000 | 49,723,000 | 64,295,000 | 69,773,000 |
| Total loans | 24,802,000 | 33,007,000 | 49,215,000 | 54,970,000 |
| Allowance for loan losses | 274,000 | 388,000 | 545,000 | 604,000 |
| Securities available for sale | 1,537,000 | 3,995,000 | 5,531,000 | 6,214,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,749,000 | 35,331,000 | 49,710,000 | 54,425,000 |
| Interest-bearing deposits | 24,561,000 | 31,945,000 | 46,484,000 | 51,391,000 |
| Noninterest-bearing deposits | 2,189,000 | 3,386,000 | 3,226,000 | 3,034,000 |
| Equity capital | 13,865,000 | 13,743,000 | 13,727,000 | 14,224,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 524,000 | 1,363,000 | 2,522,000 | 3,886,000 |
| Interest expense | 238,000 | 593,000 | 1,110,000 | 1,778,000 |
| Net interest income | 286,000 | 770,000 | 1,412,000 | 2,108,000 |
| Noninterest income | 75,000 | 197,000 | 326,000 | 483,000 |
| Noninterest expense | 457,000 | 1,055,000 | 1,730,000 | 2,427,000 |
| Provision for loan losses | 179,000 | 293,000 | 452,000 | 511,000 |
| Pretax income | -275,000 | -381,000 | -444,000 | -347,000 |
| Income tax | 0 | 0 | 0 | -408,000 |
| Net income | -275,000 | -381,000 | -444,000 | 61,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,874,000 | 13,773,000 | 13,715,000 | 14,205,000 |
| Total capital | 14,148,000 | 14,161,000 | 14,260,000 | 14,809,000 |
| Risk-weighted assets | 32,144,000 | 41,726,000 | 59,316,000 | 67,274,000 |
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