Call reports 2005
PEOPLES BANK OF GEORGIA, THE — 2005
What PEOPLES BANK OF GEORGIA, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 18,620,000 | 17,904,000 | 17,496,000 | 18,794,000 |
| Total loans | 6,986,000 | 6,718,000 | 7,183,000 | 7,158,000 |
| Allowance for loan losses | 169,000 | 160,000 | 176,000 | 185,000 |
| Securities available for sale | 7,436,000 | 8,695,000 | 8,449,000 | 8,028,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,726,000 | 14,875,000 | 14,498,000 | 15,781,000 |
| Interest-bearing deposits | 12,249,000 | 11,516,000 | 10,539,000 | 11,916,000 |
| Noninterest-bearing deposits | 3,477,000 | 3,359,000 | 3,959,000 | 3,865,000 |
| Equity capital | 2,825,000 | 2,942,000 | 2,920,000 | 2,958,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 244,000 | 509,000 | 766,000 | 1,042,000 |
| Interest expense | 38,000 | 80,000 | 127,000 | 176,000 |
| Net interest income | 206,000 | 429,000 | 639,000 | 866,000 |
| Noninterest income | 21,000 | 49,000 | 71,000 | 166,000 |
| Noninterest expense | 157,000 | 305,000 | 443,000 | 642,000 |
| Provision for loan losses | 40,000 | 50,000 | 130,000 | 170,000 |
| Pretax income | 30,000 | 123,000 | 137,000 | 226,000 |
| Income tax | 5,000 | 8,000 | 10,000 | 6,000 |
| Net income | 25,000 | 115,000 | 127,000 | 220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,782,000 | 2,872,000 | 2,884,000 | 2,977,000 |
| Total capital | 2,906,000 | 2,991,000 | 3,007,000 | 3,101,000 |
| Risk-weighted assets | 9,866,000 | 9,492,000 | 9,792,000 | 9,871,000 |