Call reports 2011
GEORGIA HERITAGE BANK — 2011
What GEORGIA HERITAGE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 77,950,000 | 76,695,000 | 73,198,000 | 68,155,000 |
| Total loans | 41,553,000 | 41,135,000 | 39,210,000 | 38,828,000 |
| Allowance for loan losses | 878,000 | 870,000 | 773,000 | 811,000 |
| Securities available for sale | 14,389,000 | 11,859,000 | 10,816,000 | 10,762,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,748,000 | 71,621,000 | 69,340,000 | 64,561,000 |
| Interest-bearing deposits | 66,024,000 | 64,239,000 | 61,599,000 | 57,846,000 |
| Noninterest-bearing deposits | 6,725,000 | 7,382,000 | 7,741,000 | 6,715,000 |
| Equity capital | 4,011,000 | 3,495,000 | 2,787,000 | 2,501,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 728,000 | 1,451,000 | 2,148,000 | 2,817,000 |
| Interest expense | 266,000 | 493,000 | 690,000 | 852,000 |
| Net interest income | 462,000 | 958,000 | 1,458,000 | 1,965,000 |
| Noninterest income | 31,000 | 88,000 | -73,000 | -35,000 |
| Noninterest expense | 770,000 | 1,522,000 | 2,289,000 | 2,988,000 |
| Provision for loan losses | 2,000 | 457,000 | 844,000 | 957,000 |
| Pretax income | -279,000 | -825,000 | -1,610,000 | -1,878,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -279,000 | -825,000 | -1,610,000 | -1,878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,907,000 | 3,370,000 | 2,667,000 | 2,400,000 |
| Total capital | 4,596,000 | 4,043,000 | 3,310,000 | 3,032,000 |
| Risk-weighted assets | 54,907,000 | 53,575,000 | 51,312,000 | 50,355,000 |