Call reports 2006
FIRST NATIONAL BANK OF GEORGIA — 2006
What FIRST NATIONAL BANK OF GEORGIA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 195,446,000 | 202,030,000 | 205,003,000 | 215,377,000 |
| Total loans | 128,344,000 | 133,062,000 | 138,339,000 | 139,927,000 |
| Allowance for loan losses | 1,764,000 | 1,778,000 | 1,764,000 | 1,709,000 |
| Securities available for sale | 48,753,000 | 48,935,000 | 48,752,000 | 46,792,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,394,000 | 175,736,000 | 169,123,000 | 183,403,000 |
| Interest-bearing deposits | 148,993,000 | 154,226,000 | 148,268,000 | 163,927,000 |
| Noninterest-bearing deposits | 22,401,000 | 21,510,000 | 20,855,000 | 19,476,000 |
| Equity capital | 18,937,000 | 19,238,000 | 20,056,000 | 19,252,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,940,000 | 6,117,000 | 9,432,000 | 12,916,000 |
| Interest expense | 1,082,000 | 2,311,000 | 3,758,000 | 5,482,000 |
| Net interest income | 1,858,000 | 3,806,000 | 5,674,000 | 7,434,000 |
| Noninterest income | 763,000 | 1,527,000 | 2,334,000 | 3,128,000 |
| Noninterest expense | 1,799,000 | 3,715,000 | 5,597,000 | 7,495,000 |
| Provision for loan losses | 57,000 | 118,000 | 157,000 | 187,000 |
| Pretax income | 761,000 | 1,494,000 | 2,248,000 | 2,874,000 |
| Income tax | 192,000 | 368,000 | 572,000 | 657,000 |
| Net income | 569,000 | 1,126,000 | 1,676,000 | 2,217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,904,000 | 19,461,000 | 20,010,000 | 19,051,000 |
| Total capital | 20,455,000 | 21,080,000 | 21,686,000 | 20,760,000 |
| Risk-weighted assets | 123,839,000 | 129,334,000 | 133,991,000 | 137,615,000 |