Call reports 2008
CENTURY BANK OF GEORGIA — 2008
What CENTURY BANK OF GEORGIA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 121,827,000 | 115,478,000 | 114,361,000 | 113,510,000 |
| Total loans | 79,406,000 | 78,147,000 | 79,023,000 | 80,078,000 |
| Allowance for loan losses | 1,004,000 | 1,036,000 | 1,052,000 | 1,298,000 |
| Securities available for sale | 20,854,000 | 24,160,000 | 23,326,000 | 21,913,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,977,000 | 92,765,000 | 91,581,000 | 91,055,000 |
| Interest-bearing deposits | 85,536,000 | 79,859,000 | 79,938,000 | 80,690,000 |
| Noninterest-bearing deposits | 13,441,000 | 12,906,000 | 11,643,000 | 10,365,000 |
| Equity capital | 12,302,000 | 12,191,000 | 12,182,000 | 11,942,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,992,000 | 3,819,000 | 5,587,000 | 7,269,000 |
| Interest expense | 974,000 | 1,863,000 | 2,661,000 | 3,445,000 |
| Net interest income | 1,018,000 | 1,956,000 | 2,926,000 | 3,824,000 |
| Noninterest income | 301,000 | 577,000 | 844,000 | 1,076,000 |
| Noninterest expense | 1,019,000 | 2,014,000 | 2,980,000 | 3,873,000 |
| Provision for loan losses | 48,000 | 78,000 | 188,000 | 1,023,000 |
| Pretax income | 252,000 | 441,000 | 602,000 | -354,000 |
| Income tax | 80,000 | 137,000 | 189,000 | -164,000 |
| Net income | 172,000 | 304,000 | 413,000 | -190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,231,000 | 12,365,000 | 12,478,000 | 11,878,000 |
| Total capital | 13,235,000 | 13,401,000 | 13,530,000 | 12,984,000 |
| Risk-weighted assets | 87,695,000 | 84,619,000 | 88,143,000 | 89,215,000 |