Call reports 2015
FIRST BANK OF COASTAL GEORGIA — 2015
What FIRST BANK OF COASTAL GEORGIA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 127,059,000 | 120,128,000 | 114,721,000 | 128,280,000 |
| Total loans | 31,919,000 | 32,080,000 | 28,184,000 | 27,343,000 |
| Allowance for loan losses | 1,056,000 | 1,028,000 | 1,029,000 | 903,000 |
| Securities available for sale | 80,209,000 | 73,770,000 | 73,628,000 | 87,125,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,960,000 | 100,539,000 | 94,574,000 | 112,906,000 |
| Interest-bearing deposits | 97,179,000 | 85,837,000 | 80,703,000 | 98,648,000 |
| Noninterest-bearing deposits | 14,781,000 | 14,702,000 | 13,871,000 | 14,258,000 |
| Equity capital | 14,831,000 | 14,192,000 | 14,673,000 | 14,974,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,006,000 | 2,003,000 | 2,937,000 | 3,887,000 |
| Interest expense | 67,000 | 129,000 | 191,000 | 250,000 |
| Net interest income | 939,000 | 1,874,000 | 2,746,000 | 3,637,000 |
| Noninterest income | 87,000 | 169,000 | 257,000 | 317,000 |
| Noninterest expense | 742,000 | 1,397,000 | 2,114,000 | 2,826,000 |
| Provision for loan losses | 75,000 | 75,000 | 75,000 | -50,000 |
| Pretax income | 221,000 | 659,000 | 917,000 | 1,281,000 |
| Income tax | 10,000 | 122,000 | 159,000 | 244,000 |
| Net income | 211,000 | 537,000 | 758,000 | 1,037,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,056,000 | 13,898,000 | 14,077,000 | 14,664,000 |
| Total capital | 14,743,000 | 14,586,000 | 14,710,000 | 15,302,000 |
| Risk-weighted assets | 54,642,000 | 54,244,000 | 49,795,000 | 50,518,000 |
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