Call reports 2013
GEORGIA HERITAGE BANK — 2013
What GEORGIA HERITAGE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 63,822,000 | 64,291,000 | 63,376,000 | 65,187,000 |
| Total loans | 37,319,000 | 39,120,000 | 37,604,000 | 40,133,000 |
| Allowance for loan losses | 607,000 | 593,000 | 465,000 | 471,000 |
| Securities available for sale | 9,076,000 | 8,575,000 | 8,637,000 | 7,597,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,929,000 | 60,126,000 | 58,422,000 | 59,849,000 |
| Interest-bearing deposits | 53,018,000 | 53,111,000 | 51,812,000 | 52,914,000 |
| Noninterest-bearing deposits | 6,911,000 | 7,015,000 | 6,611,000 | 6,935,000 |
| Equity capital | 1,672,000 | 1,708,000 | 2,258,000 | 2,538,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 613,000 | 1,241,000 | 1,855,000 | 2,487,000 |
| Interest expense | 95,000 | 190,000 | 257,000 | 315,000 |
| Net interest income | 518,000 | 1,051,000 | 1,598,000 | 2,172,000 |
| Noninterest income | 76,000 | 395,000 | 463,000 | 564,000 |
| Noninterest expense | 573,000 | 1,267,000 | 1,847,000 | 2,390,000 |
| Provision for loan losses | 1,000 | 1,000 | 5,000 | 7,000 |
| Pretax income | 20,000 | 178,000 | 209,000 | 339,000 |
| Income tax | 0 | 0 | 0 | -150,000 |
| Net income | 20,000 | 178,000 | 209,000 | 489,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,653,000 | 1,811,000 | 2,315,000 | 2,619,000 |
| Total capital | 2,241,000 | 2,407,000 | 2,787,000 | 3,097,000 |
| Risk-weighted assets | 46,986,000 | 48,245,000 | 46,404,000 | 48,148,000 |