Call reports 2006
BANK OF GEORGIA, THE — 2006
What BANK OF GEORGIA, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 291,337,000 | 297,358,000 | 291,742,000 | 317,688,000 |
| Total loans | 231,000,000 | 231,331,000 | 229,690,000 | 254,842,000 |
| Allowance for loan losses | 3,049,000 | 3,008,000 | 3,107,000 | 3,313,000 |
| Securities available for sale | 28,559,000 | 31,130,000 | 35,740,000 | 35,170,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,170,000 | 254,183,000 | 246,922,000 | 263,160,000 |
| Interest-bearing deposits | 214,746,000 | 217,487,000 | 210,991,000 | 229,972,000 |
| Noninterest-bearing deposits | 34,424,000 | 36,696,000 | 35,931,000 | 33,188,000 |
| Equity capital | 30,007,000 | 30,978,000 | 32,233,000 | 33,230,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,969,000 | 10,295,000 | 15,798,000 | 21,552,000 |
| Interest expense | 1,743,000 | 3,723,000 | 5,818,000 | 8,134,000 |
| Net interest income | 3,226,000 | 6,572,000 | 9,980,000 | 13,418,000 |
| Noninterest income | 360,000 | 778,000 | 1,257,000 | 1,609,000 |
| Noninterest expense | 2,043,000 | 4,138,000 | 6,340,000 | 8,500,000 |
| Provision for loan losses | 153,000 | 266,000 | 379,000 | 612,000 |
| Pretax income | 1,390,000 | 2,946,000 | 4,518,000 | 5,920,000 |
| Income tax | 468,000 | 950,000 | 1,456,000 | 1,992,000 |
| Net income | 922,000 | 1,996,000 | 3,062,000 | 3,928,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,225,000 | 31,299,000 | 32,366,000 | 33,231,000 |
| Total capital | 33,274,000 | 34,307,000 | 35,473,000 | 36,544,000 |
| Risk-weighted assets | 261,405,000 | 263,993,000 | 259,377,000 | 285,179,000 |