Call reports 2013
FIRST BANK OF COASTAL GEORGIA — 2013
What FIRST BANK OF COASTAL GEORGIA 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 | 126,949,000 | 122,733,000 | 111,623,000 | 125,009,000 |
| Total loans | 42,134,000 | 40,640,000 | 38,749,000 | 37,682,000 |
| Allowance for loan losses | 1,738,000 | 1,374,000 | 1,404,000 | 1,905,000 |
| Securities available for sale | 76,032,000 | 71,204,000 | 63,534,000 | 75,143,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,836,000 | 104,459,000 | 92,960,000 | 107,618,000 |
| Interest-bearing deposits | 91,928,000 | 90,516,000 | 79,316,000 | 96,236,000 |
| Noninterest-bearing deposits | 13,907,000 | 13,944,000 | 13,644,000 | 11,382,000 |
| Equity capital | 14,359,000 | 11,583,000 | 11,805,000 | 10,580,000 |
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 | 1,116,000 | 2,190,000 | 3,238,000 | 4,299,000 |
| Interest expense | 166,000 | 301,000 | 426,000 | 544,000 |
| Net interest income | 950,000 | 1,889,000 | 2,812,000 | 3,755,000 |
| Noninterest income | 24,000 | 121,000 | 227,000 | 54,000 |
| Noninterest expense | 706,000 | 1,414,000 | 2,095,000 | 2,848,000 |
| Provision for loan losses | 0 | 500,000 | 500,000 | 1,000,000 |
| Pretax income | 420,000 | 318,000 | 700,000 | 217,000 |
| Income tax | 94,000 | -4,000 | 92,000 | 36,000 |
| Net income | 326,000 | 322,000 | 608,000 | 181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,507,000 | 12,477,000 | 12,526,000 | 11,266,000 |
| Total capital | 14,305,000 | 13,270,000 | 13,270,000 | 12,019,000 |
| Risk-weighted assets | 62,894,000 | 62,857,000 | 58,826,000 | 59,086,000 |
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