Call reports 2005
APEX BANKING COMPANY OF GEORGIA — 2005
What APEX BANKING COMPANY OF GEORGIA 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 | 34,761,000 | 34,177,000 | 35,525,000 | 38,887,000 |
| Total loans | 8,058,000 | 7,767,000 | 8,524,000 | 10,472,000 |
| Allowance for loan losses | 136,000 | 132,000 | 130,000 | 135,000 |
| Securities available for sale | 20,034,000 | 20,519,000 | 19,974,000 | 19,124,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,492,000 | 28,812,000 | 30,115,000 | 33,740,000 |
| Interest-bearing deposits | 24,192,000 | 23,097,000 | 23,383,000 | 26,906,000 |
| Noninterest-bearing deposits | 5,300,000 | 5,715,000 | 6,732,000 | 6,834,000 |
| Equity capital | 5,135,000 | 5,267,000 | 5,287,000 | 5,066,000 |
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 | 366,000 | 738,000 | 1,118,000 | 1,534,000 |
| Interest expense | 54,000 | 111,000 | 176,000 | 245,000 |
| Net interest income | 312,000 | 627,000 | 942,000 | 1,289,000 |
| Noninterest income | 45,000 | 83,000 | 127,000 | 167,000 |
| Noninterest expense | 182,000 | 374,000 | 588,000 | 871,000 |
| Provision for loan losses | 0 | 0 | 0 | 5,000 |
| Pretax income | 175,000 | 336,000 | 481,000 | 580,000 |
| Income tax | 62,000 | 119,000 | 170,000 | 201,000 |
| Net income | 113,000 | 217,000 | 311,000 | 379,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,390,000 | 5,366,000 | 5,460,000 | 5,400,000 |
| Total capital | 5,526,000 | 5,498,000 | 5,590,000 | 5,535,000 |
| Risk-weighted assets | 14,889,000 | 12,925,000 | 13,465,000 | 15,550,000 |