Call reports 2007
GEORGIA HERITAGE BANK — 2007
What GEORGIA HERITAGE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 86,419,000 | 91,463,000 | 102,249,000 | 99,353,000 |
| Total loans | 64,195,000 | 67,720,000 | 70,127,000 | 68,248,000 |
| Allowance for loan losses | 683,000 | 747,000 | 872,000 | 927,000 |
| Securities available for sale | 12,102,000 | 12,419,000 | 14,690,000 | 16,974,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,554,000 | 76,519,000 | 87,287,000 | 84,377,000 |
| Interest-bearing deposits | 65,575,000 | 71,349,000 | 82,417,000 | 80,563,000 |
| Noninterest-bearing deposits | 5,978,000 | 5,170,000 | 4,870,000 | 3,814,000 |
| Equity capital | 14,171,000 | 14,108,000 | 14,130,000 | 13,596,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,364,000 | 2,948,000 | 4,690,000 | 6,171,000 |
| Interest expense | 740,000 | 1,573,000 | 2,572,000 | 3,532,000 |
| Net interest income | 624,000 | 1,375,000 | 2,118,000 | 2,639,000 |
| Noninterest income | 155,000 | 327,000 | 485,000 | 522,000 |
| Noninterest expense | 746,000 | 1,547,000 | 2,555,000 | 3,605,000 |
| Provision for loan losses | 79,000 | 145,000 | 270,000 | 421,000 |
| Pretax income | -46,000 | 10,000 | -222,000 | -865,000 |
| Income tax | 0 | 4,000 | -74,000 | 0 |
| Net income | -46,000 | 6,000 | -148,000 | -865,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,160,000 | 14,212,000 | 14,059,000 | 12,934,000 |
| Total capital | 14,843,000 | 14,959,000 | 14,931,000 | 13,861,000 |
| Risk-weighted assets | 78,846,000 | 85,018,000 | 90,180,000 | 90,191,000 |
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