Call reports 2005
CENTURY BANK OF GEORGIA — 2005
What CENTURY BANK 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 | 93,981,000 | 102,079,000 | 106,925,000 | 108,679,000 |
| Total loans | 72,372,000 | 76,295,000 | 75,530,000 | 76,829,000 |
| Allowance for loan losses | 1,000,000 | 1,033,000 | 1,051,000 | 1,025,000 |
| Securities available for sale | 14,268,000 | 15,327,000 | 22,835,000 | 21,925,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,508,000 | 88,089,000 | 91,730,000 | 92,402,000 |
| Interest-bearing deposits | 72,076,000 | 77,252,000 | 78,863,000 | 79,540,000 |
| Noninterest-bearing deposits | 8,432,000 | 10,837,000 | 12,867,000 | 12,862,000 |
| Equity capital | 8,116,000 | 8,573,000 | 9,736,000 | 10,770,000 |
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 | 1,480,000 | 3,105,000 | 4,856,000 | 6,646,000 |
| Interest expense | 514,000 | 1,116,000 | 1,785,000 | 2,494,000 |
| Net interest income | 966,000 | 1,989,000 | 3,071,000 | 4,152,000 |
| Noninterest income | 168,000 | 380,000 | 549,000 | 1,716,000 |
| Noninterest expense | 743,000 | 1,548,000 | 2,392,000 | 3,318,000 |
| Provision for loan losses | 75,000 | 105,000 | 135,000 | 165,000 |
| Pretax income | 302,000 | 703,000 | 1,080,000 | 2,372,000 |
| Income tax | 97,000 | 223,000 | 340,000 | 450,000 |
| Net income | 205,000 | 480,000 | 740,000 | 1,922,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,225,000 | 8,416,000 | 9,700,000 | 11,058,000 |
| Total capital | 9,129,000 | 9,367,000 | 10,594,000 | 12,083,000 |
| Risk-weighted assets | 71,426,000 | 75,981,000 | 76,553,000 | 87,706,000 |