Call reports 2025
FIRST BANK OF COASTAL GEORGIA — 2025
What FIRST BANK OF COASTAL GEORGIA reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 230,769,000 | 225,541,000 | 218,584,000 | 221,411,000 |
| Total loans | 64,524,000 | 64,026,000 | 64,613,000 | 65,414,000 |
| Allowance for loan losses | 889,000 | 927,000 | 927,000 | 927,000 |
| Securities available for sale | 153,911,000 | 149,735,000 | 146,409,000 | 144,152,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,607,000 | 216,042,000 | 197,656,000 | 198,082,000 |
| Interest-bearing deposits | 176,354,000 | 184,073,000 | 163,321,000 | 164,709,000 |
| Noninterest-bearing deposits | 33,253,000 | 31,969,000 | 34,335,000 | 33,373,000 |
| Equity capital | 9,222,000 | 8,258,000 | 11,266,000 | 12,720,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,305,000 | 4,794,000 | 7,281,000 | 9,732,000 |
| Interest expense | 1,172,000 | 2,638,000 | 3,902,000 | 5,046,000 |
| Net interest income | 1,133,000 | 2,156,000 | 3,379,000 | 4,686,000 |
| Noninterest income | 49,000 | 108,000 | 166,000 | 253,000 |
| Noninterest expense | 1,075,000 | 2,135,000 | 3,265,000 | 4,274,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 107,000 | 129,000 | 228,000 | 613,000 |
| Income tax | -41,000 | -103,000 | -144,000 | -113,000 |
| Net income | 148,000 | 232,000 | 372,000 | 726,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,372,000 | 19,456,000 | 19,596,000 | 19,951,000 |
| Total capital | 20,401,000 | 20,523,000 | 20,663,000 | 21,018,000 |
| Risk-weighted assets | 109,978,000 | 107,798,000 | 106,098,000 | 104,447,000 |