Call reports 2012
FIRST BANK OF COASTAL GEORGIA — 2012
What FIRST BANK OF COASTAL GEORGIA 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 | 126,809,000 | 127,524,000 | 116,361,000 | 130,996,000 |
| Total loans | 46,596,000 | 46,241,000 | 44,082,000 | 41,171,000 |
| Allowance for loan losses | 2,245,000 | 2,047,000 | 1,760,000 | 1,740,000 |
| Securities available for sale | 71,064,000 | 66,828,000 | 63,531,000 | 74,846,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,408,000 | 102,922,000 | 91,152,000 | 106,319,000 |
| Interest-bearing deposits | 91,083,000 | 91,116,000 | 79,884,000 | 94,913,000 |
| Noninterest-bearing deposits | 12,326,000 | 11,806,000 | 11,268,000 | 11,406,000 |
| Equity capital | 13,335,000 | 14,221,000 | 14,678,000 | 14,487,000 |
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 | 1,239,000 | 2,494,000 | 3,559,000 | 4,622,000 |
| Interest expense | 235,000 | 455,000 | 652,000 | 828,000 |
| Net interest income | 1,004,000 | 2,039,000 | 2,907,000 | 3,794,000 |
| Noninterest income | 121,000 | 43,000 | 47,000 | -22,000 |
| Noninterest expense | 677,000 | 1,396,000 | 2,065,000 | 2,856,000 |
| Provision for loan losses | 100,000 | 100,000 | 375,000 | 435,000 |
| Pretax income | 438,000 | 802,000 | 1,209,000 | 1,176,000 |
| Income tax | 97,000 | 175,000 | 272,000 | 195,000 |
| Net income | 341,000 | 627,000 | 937,000 | 981,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,541,000 | 12,827,000 | 13,137,000 | 13,181,000 |
| Total capital | 13,369,000 | 13,653,000 | 13,914,000 | 13,957,000 |
| Risk-weighted assets | 64,822,000 | 64,837,000 | 61,169,000 | 61,080,000 |
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