Call reports 2016
CENTURY BANK OF GEORGIA — 2016
What CENTURY BANK OF GEORGIA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 170,811,000 | 176,330,000 | 177,087,000 | 175,665,000 |
| Total loans | 91,675,000 | 89,946,000 | 85,356,000 | 85,193,000 |
| Allowance for loan losses | 2,216,000 | 2,169,000 | 1,340,000 | 1,346,000 |
| Securities available for sale | 19,716,000 | 24,688,000 | 23,967,000 | 27,719,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,204,000 | 157,264,000 | 156,749,000 | 155,927,000 |
| Interest-bearing deposits | 110,372,000 | 107,785,000 | 107,762,000 | 109,801,000 |
| Noninterest-bearing deposits | 41,832,000 | 49,479,000 | 48,987,000 | 46,126,000 |
| Equity capital | 17,599,000 | 18,027,000 | 18,931,000 | 18,634,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,496,000 | 2,996,000 | 4,467,000 | 5,932,000 |
| Interest expense | 126,000 | 251,000 | 375,000 | 499,000 |
| Net interest income | 1,370,000 | 2,745,000 | 4,092,000 | 5,433,000 |
| Noninterest income | 289,000 | 612,000 | 914,000 | 1,289,000 |
| Noninterest expense | 1,132,000 | 2,228,000 | 3,365,000 | 4,635,000 |
| Provision for loan losses | 0 | 0 | -1,000,000 | -1,000,000 |
| Pretax income | 527,000 | 1,129,000 | 2,641,000 | 3,087,000 |
| Income tax | 170,000 | 362,000 | 889,000 | 1,037,000 |
| Net income | 357,000 | 767,000 | 1,752,000 | 2,050,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,445,000 | 17,775,000 | 18,700,000 | 18,923,000 |
| Total capital | 18,553,000 | 18,878,000 | 19,788,000 | 20,023,000 |
| Risk-weighted assets | 87,576,000 | 87,190,000 | 86,866,000 | 87,811,000 |