Call reports 2010
GEORGIA HERITAGE BANK — 2010
What GEORGIA HERITAGE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 84,705,000 | 84,641,000 | 84,879,000 | 80,770,000 |
| Total loans | 45,958,000 | 46,853,000 | 45,419,000 | 42,667,000 |
| Allowance for loan losses | 799,000 | 855,000 | 1,087,000 | 895,000 |
| Securities available for sale | 14,406,000 | 14,530,000 | 15,587,000 | 13,929,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,166,000 | 75,877,000 | 77,851,000 | 74,435,000 |
| Interest-bearing deposits | 71,683,000 | 69,697,000 | 69,509,000 | 67,266,000 |
| Noninterest-bearing deposits | 4,482,000 | 6,180,000 | 8,342,000 | 7,169,000 |
| Equity capital | 7,194,000 | 6,821,000 | 4,486,000 | 4,305,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 889,000 | 1,684,000 | 2,511,000 | 3,444,000 |
| Interest expense | 442,000 | 859,000 | 1,251,000 | 1,586,000 |
| Net interest income | 447,000 | 825,000 | 1,260,000 | 1,858,000 |
| Noninterest income | 141,000 | 208,000 | -1,522,000 | -1,423,000 |
| Noninterest expense | 786,000 | 1,601,000 | 2,422,000 | 3,145,000 |
| Provision for loan losses | 26,000 | 102,000 | 351,000 | 376,000 |
| Pretax income | -224,000 | -670,000 | -3,035,000 | -3,086,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -224,000 | -670,000 | -3,035,000 | -3,086,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,049,000 | 6,603,000 | 4,238,000 | 4,186,000 |
| Total capital | 7,854,000 | 7,406,000 | 4,992,000 | 4,893,000 |
| Risk-weighted assets | 64,830,000 | 64,166,000 | 59,931,000 | 56,357,000 |
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