Call reports 2012
CENTURY BANK OF GEORGIA — 2012
What CENTURY BANK OF GEORGIA reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 146,978,000 | 149,574,000 | 151,466,000 | 153,591,000 |
| Total loans | 82,074,000 | 80,765,000 | 78,935,000 | 81,085,000 |
| Allowance for loan losses | 1,835,000 | 2,328,000 | 2,661,000 | 3,002,000 |
| Securities available for sale | 12,825,000 | 11,324,000 | 10,492,000 | 11,198,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,388,000 | 126,845,000 | 128,386,000 | 130,418,000 |
| Interest-bearing deposits | 101,997,000 | 102,069,000 | 102,909,000 | 105,095,000 |
| Noninterest-bearing deposits | 22,391,000 | 24,776,000 | 25,477,000 | 25,323,000 |
| Equity capital | 16,726,000 | 17,124,000 | 17,535,000 | 17,866,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,867,000 | 4,218,000 | 6,389,000 | 8,457,000 |
| Interest expense | 267,000 | 507,000 | 728,000 | 930,000 |
| Net interest income | 1,600,000 | 3,711,000 | 5,661,000 | 7,527,000 |
| Noninterest income | 253,000 | 270,000 | 646,000 | 805,000 |
| Noninterest expense | 1,354,000 | 2,389,000 | 3,623,000 | 4,786,000 |
| Provision for loan losses | 150,000 | 659,000 | 1,216,000 | 1,537,000 |
| Pretax income | 349,000 | 933,000 | 1,468,000 | 2,009,000 |
| Income tax | 103,000 | 321,000 | 490,000 | 646,000 |
| Net income | 246,000 | 612,000 | 978,000 | 1,363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,451,000 | 16,817,000 | 17,183,000 | 17,569,000 |
| Total capital | 17,593,000 | 17,907,000 | 18,246,000 | 18,664,000 |
| Risk-weighted assets | 89,887,000 | 85,990,000 | 83,461,000 | 85,684,000 |