Call reports 2014
FIRST BANK OF COASTAL GEORGIA — 2014
What FIRST BANK OF COASTAL GEORGIA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 126,354,000 | 122,798,000 | 119,770,000 | 125,063,000 |
| Total loans | 39,225,000 | 37,779,000 | 37,448,000 | 32,628,000 |
| Allowance for loan losses | 1,299,000 | 1,211,000 | 1,298,000 | 1,266,000 |
| Securities available for sale | 77,156,000 | 76,366,000 | 75,950,000 | 84,671,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,254,000 | 102,471,000 | 95,230,000 | 110,859,000 |
| Interest-bearing deposits | 93,254,000 | 89,776,000 | 82,637,000 | 98,331,000 |
| Noninterest-bearing deposits | 14,000,000 | 12,695,000 | 12,593,000 | 12,528,000 |
| Equity capital | 12,015,000 | 13,174,000 | 13,408,000 | 13,989,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,121,000 | 2,242,000 | 3,354,000 | 4,464,000 |
| Interest expense | 113,000 | 227,000 | 341,000 | 441,000 |
| Net interest income | 1,008,000 | 2,015,000 | 3,013,000 | 4,023,000 |
| Noninterest income | 25,000 | 83,000 | -72,000 | 25,000 |
| Noninterest expense | 707,000 | 1,354,000 | 2,064,000 | 2,844,000 |
| Provision for loan losses | 0 | 50,000 | 180,000 | 780,000 |
| Pretax income | 594,000 | 986,000 | 989,000 | 716,000 |
| Income tax | 134,000 | 224,000 | 286,000 | 172,000 |
| Net income | 460,000 | 762,000 | 703,000 | 544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,123,000 | 12,864,000 | 12,988,000 | 13,450,000 |
| Total capital | 12,903,000 | 13,628,000 | 13,735,000 | 14,162,000 |
| Risk-weighted assets | 61,846,000 | 60,639,000 | 59,169,000 | 56,374,000 |
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