Call reports 2005
BANK OF GEORGIA, THE — 2005
What BANK OF GEORGIA, THE 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 | 263,078,000 | 258,739,000 | 268,734,000 | 270,345,000 |
| Total loans | 202,986,000 | 209,145,000 | 217,687,000 | 217,425,000 |
| Allowance for loan losses | 2,745,000 | 2,842,000 | 2,889,000 | 2,898,000 |
| Securities available for sale | 33,732,000 | 26,353,000 | 25,751,000 | 27,453,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,947,000 | 218,857,000 | 228,314,000 | 229,075,000 |
| Interest-bearing deposits | 202,499,000 | 189,007,000 | 198,110,000 | 198,075,000 |
| Noninterest-bearing deposits | 31,448,000 | 29,850,000 | 30,204,000 | 31,000,000 |
| Equity capital | 26,923,000 | 27,765,000 | 28,534,000 | 29,228,000 |
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 | 3,950,000 | 7,966,000 | 12,237,000 | 16,797,000 |
| Interest expense | 1,216,000 | 2,579,000 | 4,080,000 | 5,703,000 |
| Net interest income | 2,734,000 | 5,387,000 | 8,157,000 | 11,094,000 |
| Noninterest income | 276,000 | 634,000 | 1,074,000 | 1,512,000 |
| Noninterest expense | 1,890,000 | 3,792,000 | 5,765,000 | 7,704,000 |
| Provision for loan losses | 97,000 | 193,000 | 290,000 | 386,000 |
| Pretax income | 1,023,000 | 2,036,000 | 3,176,000 | 4,516,000 |
| Income tax | 320,000 | 624,000 | 984,000 | 1,459,000 |
| Net income | 703,000 | 1,412,000 | 2,192,000 | 3,057,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,050,000 | 27,759,000 | 28,538,000 | 29,404,000 |
| Total capital | 29,795,000 | 30,600,000 | 31,427,000 | 32,302,000 |
| Risk-weighted assets | 227,757,000 | 236,448,000 | 245,675,000 | 244,527,000 |