Call reports 2012
GEORGIA HERITAGE BANK — 2012
What GEORGIA HERITAGE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 68,371,000 | 66,957,000 | 65,090,000 | 62,802,000 |
| Total loans | 36,988,000 | 36,087,000 | 36,975,000 | 35,906,000 |
| Allowance for loan losses | 755,000 | 813,000 | 839,000 | 598,000 |
| Securities available for sale | 10,713,000 | 9,674,000 | 10,632,000 | 9,100,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,151,000 | 63,666,000 | 61,877,000 | 59,172,000 |
| Interest-bearing deposits | 56,161,000 | 56,109,000 | 53,518,000 | 52,303,000 |
| Noninterest-bearing deposits | 8,990,000 | 7,557,000 | 8,359,000 | 6,869,000 |
| Equity capital | 2,161,000 | 1,977,000 | 1,670,000 | 1,660,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 633,000 | 1,224,000 | 1,817,000 | 2,445,000 |
| Interest expense | 146,000 | 285,000 | 413,000 | 512,000 |
| Net interest income | 487,000 | 939,000 | 1,404,000 | 1,933,000 |
| Noninterest income | 87,000 | 175,000 | 81,000 | 221,000 |
| Noninterest expense | 676,000 | 1,351,000 | 2,027,000 | 2,678,000 |
| Provision for loan losses | 225,000 | 293,000 | 317,000 | 340,000 |
| Pretax income | -327,000 | -481,000 | -772,000 | -767,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -327,000 | -481,000 | -772,000 | -767,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,073,000 | 1,919,000 | 1,627,000 | 1,633,000 |
| Total capital | 2,676,000 | 2,507,000 | 2,214,000 | 2,201,000 |
| Risk-weighted assets | 48,080,000 | 46,756,000 | 46,644,000 | 45,427,000 |