Call reports 2006
FIRST BANK OF COASTAL GEORGIA — 2006
What FIRST BANK OF COASTAL GEORGIA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 104,383,000 | 102,047,000 | 98,231,000 | 98,386,000 |
| Total loans | 55,753,000 | 51,064,000 | 48,860,000 | 47,474,000 |
| Allowance for loan losses | 2,000,000 | 1,965,000 | 1,844,000 | 1,877,000 |
| Securities available for sale | 33,189,000 | 30,490,000 | 36,703,000 | 31,848,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,182,000 | 84,871,000 | 80,640,000 | 80,551,000 |
| Interest-bearing deposits | 72,200,000 | 69,081,000 | 65,800,000 | 66,742,000 |
| Noninterest-bearing deposits | 14,982,000 | 15,790,000 | 14,840,000 | 13,809,000 |
| Equity capital | 8,775,000 | 8,722,000 | 9,094,000 | 9,446,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,868,000 | 3,653,000 | 5,393,000 | 7,091,000 |
| Interest expense | 592,000 | 1,217,000 | 1,852,000 | 2,497,000 |
| Net interest income | 1,276,000 | 2,436,000 | 3,541,000 | 4,594,000 |
| Noninterest income | 139,000 | 265,000 | 419,000 | 573,000 |
| Noninterest expense | 649,000 | 1,288,000 | 1,958,000 | 2,757,000 |
| Provision for loan losses | 30,000 | 257,000 | 487,000 | 517,000 |
| Pretax income | 741,000 | 1,161,000 | 1,520,000 | 1,897,000 |
| Income tax | 232,000 | 351,000 | 487,000 | 623,000 |
| Net income | 509,000 | 810,000 | 1,033,000 | 1,274,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,071,000 | 9,118,000 | 9,341,000 | 9,583,000 |
| Total capital | 9,866,000 | 9,879,000 | 10,065,000 | 10,294,000 |
| Risk-weighted assets | 62,357,000 | 59,677,000 | 56,781,000 | 55,747,000 |
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