Call reports 2009
FIRST BANK OF COASTAL GEORGIA — 2009
What FIRST BANK OF COASTAL GEORGIA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 124,073,000 | 122,861,000 | 120,238,000 | 142,273,000 |
| Total loans | 56,329,000 | 54,499,000 | 54,056,000 | 53,961,000 |
| Allowance for loan losses | 2,100,000 | 1,885,000 | 1,980,000 | 1,983,000 |
| Securities available for sale | 59,326,000 | 56,640,000 | 60,442,000 | 65,381,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,665,000 | 93,233,000 | 89,680,000 | 113,269,000 |
| Interest-bearing deposits | 83,256,000 | 82,380,000 | 79,778,000 | 103,063,000 |
| Noninterest-bearing deposits | 11,409,000 | 10,854,000 | 9,902,000 | 10,206,000 |
| Equity capital | 11,565,000 | 11,349,000 | 11,502,000 | 11,208,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,679,000 | 3,293,000 | 5,086,000 | 6,674,000 |
| Interest expense | 641,000 | 1,264,000 | 1,834,000 | 2,400,000 |
| Net interest income | 1,038,000 | 2,029,000 | 3,252,000 | 4,274,000 |
| Noninterest income | 127,000 | 259,000 | 395,000 | 534,000 |
| Noninterest expense | 660,000 | 1,937,000 | 2,656,000 | 3,496,000 |
| Provision for loan losses | 0 | 0 | 115,000 | 115,000 |
| Pretax income | 478,000 | 431,000 | 1,016,000 | 1,704,000 |
| Income tax | 143,000 | 85,000 | 253,000 | 498,000 |
| Net income | 335,000 | 346,000 | 763,000 | 1,206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,202,000 | 11,213,000 | 10,630,000 | 11,072,000 |
| Total capital | 12,034,000 | 12,019,000 | 11,440,000 | 11,907,000 |
| Risk-weighted assets | 65,322,000 | 63,432,000 | 63,646,000 | 65,649,000 |
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