Call reports 2015
GEORGIA HERITAGE BANK — 2015
What GEORGIA HERITAGE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 72,460,000 | 72,293,000 | 74,125,000 | 74,315,000 |
| Total loans | 48,068,000 | 46,905,000 | 48,732,000 | 48,411,000 |
| Allowance for loan losses | 620,000 | 600,000 | 581,000 | 720,000 |
| Securities available for sale | 9,204,000 | 9,189,000 | 9,713,000 | 10,164,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,628,000 | 64,731,000 | 65,143,000 | 66,106,000 |
| Interest-bearing deposits | 56,626,000 | 56,219,000 | 56,276,000 | 57,454,000 |
| Noninterest-bearing deposits | 8,002,000 | 8,512,000 | 8,867,000 | 8,652,000 |
| Equity capital | 4,646,000 | 4,950,000 | 5,301,000 | 5,577,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 751,000 | 1,543,000 | 2,354,000 | 3,182,000 |
| Interest expense | 68,000 | 136,000 | 204,000 | 270,000 |
| Net interest income | 683,000 | 1,407,000 | 2,150,000 | 2,912,000 |
| Noninterest income | 136,000 | 290,000 | 413,000 | 510,000 |
| Noninterest expense | 544,000 | 1,130,000 | 1,718,000 | 2,323,000 |
| Provision for loan losses | 1,000 | 0 | 2,000 | 141,000 |
| Pretax income | 274,000 | 567,000 | 843,000 | 958,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 274,000 | 567,000 | 843,000 | 958,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,353,000 | 4,698,000 | 5,058,000 | 5,587,000 |
| Total capital | 4,980,000 | 5,306,000 | 5,646,000 | 6,276,000 |
| Risk-weighted assets | 55,694,000 | 53,707,000 | 55,490,000 | 55,046,000 |