Call reports 2007
CENTURY BANK OF GEORGIA — 2007
What CENTURY BANK OF GEORGIA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 114,399,000 | 115,229,000 | 112,378,000 | 112,540,000 |
| Total loans | 86,888,000 | 85,629,000 | 82,885,000 | 82,023,000 |
| Allowance for loan losses | 1,114,000 | 1,133,000 | 1,148,000 | 1,126,000 |
| Securities available for sale | 18,370,000 | 17,839,000 | 19,219,000 | 20,014,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,159,000 | 93,163,000 | 89,733,000 | 89,603,000 |
| Interest-bearing deposits | 81,570,000 | 80,614,000 | 77,594,000 | 77,726,000 |
| Noninterest-bearing deposits | 12,590,000 | 12,548,000 | 12,139,000 | 11,877,000 |
| Equity capital | 11,178,000 | 11,294,000 | 11,712,000 | 12,049,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,091,000 | 4,296,000 | 6,525,000 | 8,615,000 |
| Interest expense | 992,000 | 2,053,000 | 3,116,000 | 4,136,000 |
| Net interest income | 1,099,000 | 2,243,000 | 3,409,000 | 4,479,000 |
| Noninterest income | 223,000 | 477,000 | 718,000 | 957,000 |
| Noninterest expense | 1,031,000 | 2,047,000 | 3,033,000 | 4,031,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 261,000 | 613,000 | 1,004,000 | 1,284,000 |
| Income tax | 85,000 | 205,000 | 329,000 | 394,000 |
| Net income | 176,000 | 408,000 | 675,000 | 890,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,334,000 | 11,566,000 | 11,832,000 | 12,056,000 |
| Total capital | 12,448,000 | 12,699,000 | 12,938,000 | 13,150,000 |
| Risk-weighted assets | 92,288,000 | 91,840,000 | 88,446,000 | 87,507,000 |