Call reports 2009
FIRST NATIONAL BANK OF GEORGIA — 2009
What FIRST NATIONAL BANK OF GEORGIA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 911,571,000 | 848,293,000 | 832,580,000 | 840,633,000 |
| Total loans | 619,802,000 | 604,792,000 | 587,861,000 | 564,849,000 |
| Allowance for loan losses | 12,086,000 | 21,419,000 | 19,774,000 | 25,030,000 |
| Securities available for sale | 93,077,000 | 93,945,000 | 95,390,000 | 92,572,000 |
| Securities held to maturity | 7,624,000 | 1,230,000 | 420,000 | 420,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 788,013,000 | 765,367,000 | 757,949,000 | 780,196,000 |
| Interest-bearing deposits | 714,143,000 | 698,512,000 | 694,059,000 | 723,250,000 |
| Noninterest-bearing deposits | 73,870,000 | 66,856,000 | 63,890,000 | 56,946,000 |
| Equity capital | 63,873,000 | 22,160,000 | 14,015,000 | 236,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 10,157,000 | 19,604,000 | 28,970,000 | 37,773,000 |
| Interest expense | 5,643,000 | 11,070,000 | 16,207,000 | 21,171,000 |
| Net interest income | 4,514,000 | 8,534,000 | 12,763,000 | 16,602,000 |
| Noninterest income | 448,000 | -2,718,000 | -3,435,000 | -5,340,000 |
| Noninterest expense | 6,301,000 | 14,642,000 | 22,824,000 | 29,830,000 |
| Provision for loan losses | 3,950,000 | 26,047,000 | 30,704,000 | 44,631,000 |
| Pretax income | -4,880,000 | -38,357,000 | -49,600,000 | -68,610,000 |
| Income tax | -2,053,000 | 4,027,000 | 4,027,000 | -1,969,000 |
| Net income | -2,827,000 | -42,384,000 | -53,627,000 | -66,641,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,723,000 | 20,581,000 | 9,581,000 | -3,250,000 |
| Total capital | 67,091,000 | 29,363,000 | 17,723,000 | -3,250,000 |
| Risk-weighted assets | 665,752,000 | 689,157,000 | 639,534,000 | 623,525,000 |
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