Call reports 2009
GEORGIA HERITAGE BANK — 2009
What GEORGIA HERITAGE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 94,047,000 | 85,990,000 | 86,613,000 | 87,871,000 |
| Total loans | 55,427,000 | 51,964,000 | 52,855,000 | 52,165,000 |
| Allowance for loan losses | 1,049,000 | 1,813,000 | 1,125,000 | 1,207,000 |
| Securities available for sale | 18,456,000 | 15,573,000 | 15,079,000 | 14,956,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,472,000 | 78,462,000 | 77,266,000 | 78,965,000 |
| Interest-bearing deposits | 77,493,000 | 73,476,000 | 72,658,000 | 74,295,000 |
| Noninterest-bearing deposits | 4,980,000 | 4,986,000 | 4,608,000 | 4,670,000 |
| Equity capital | 7,865,000 | 5,830,000 | 8,063,000 | 7,441,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,064,000 | 2,056,000 | 3,040,000 | 4,002,000 |
| Interest expense | 645,000 | 1,224,000 | 1,730,000 | 2,207,000 |
| Net interest income | 419,000 | 832,000 | 1,310,000 | 1,795,000 |
| Noninterest income | 166,000 | -763,000 | -847,000 | -1,026,000 |
| Noninterest expense | 823,000 | 1,844,000 | 2,670,000 | 3,577,000 |
| Provision for loan losses | 242,000 | 1,094,000 | 1,420,000 | 1,556,000 |
| Pretax income | -12,000 | -2,218,000 | -2,976,000 | -3,713,000 |
| Income tax | 2,000 | 0 | 0 | 0 |
| Net income | -14,000 | -2,218,000 | -2,976,000 | -3,713,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,435,000 | 5,596,000 | 7,824,000 | 7,272,000 |
| Total capital | 8,403,000 | 6,500,000 | 8,714,000 | 8,153,000 |
| Risk-weighted assets | 77,267,000 | 71,302,000 | 70,943,000 | 70,131,000 |
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