Call reports 2008
GEORGIA HERITAGE BANK — 2008
What GEORGIA HERITAGE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 102,409,000 | 104,120,000 | 102,464,000 | 98,010,000 |
| Total loans | 71,526,000 | 73,288,000 | 68,093,000 | 58,615,000 |
| Allowance for loan losses | 1,020,000 | 1,264,000 | 2,838,000 | 1,040,000 |
| Securities available for sale | 17,378,000 | 17,940,000 | 20,481,000 | 23,000,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,899,000 | 87,572,000 | 89,170,000 | 85,998,000 |
| Interest-bearing deposits | 79,157,000 | 82,811,000 | 84,885,000 | 82,376,000 |
| Noninterest-bearing deposits | 4,742,000 | 4,760,000 | 4,286,000 | 3,622,000 |
| Equity capital | 13,584,000 | 12,533,000 | 9,521,000 | 7,756,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,548,000 | 2,709,000 | 4,078,000 | 5,289,000 |
| Interest expense | 890,000 | 1,760,000 | 2,616,000 | 3,346,000 |
| Net interest income | 658,000 | 949,000 | 1,462,000 | 1,943,000 |
| Noninterest income | 172,000 | 352,000 | -374,000 | -465,000 |
| Noninterest expense | 1,021,000 | 1,973,000 | 2,916,000 | 3,917,000 |
| Provision for loan losses | 93,000 | 380,000 | 2,262,000 | 3,673,000 |
| Pretax income | -284,000 | -1,052,000 | -4,090,000 | -6,112,000 |
| Income tax | 0 | 0 | 0 | 408,000 |
| Net income | -284,000 | -1,052,000 | -4,090,000 | -6,520,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,652,000 | 11,886,000 | 8,847,000 | 6,826,000 |
| Total capital | 13,672,000 | 13,063,000 | 9,944,000 | 7,833,000 |
| Risk-weighted assets | 92,240,000 | 93,659,000 | 85,663,000 | 80,466,000 |
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