Call reports 2009
BANK OF GEORGIA, THE — 2009
What BANK OF GEORGIA, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 408,606,000 | 447,560,000 | 441,700,000 | 399,916,000 |
| Total loans | 309,137,000 | 292,032,000 | 277,031,000 | 265,743,000 |
| Allowance for loan losses | 8,907,000 | 11,043,000 | 8,792,000 | 6,832,000 |
| Securities available for sale | 41,956,000 | 46,949,000 | 53,649,000 | 47,943,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 347,498,000 | 387,463,000 | 382,125,000 | 357,527,000 |
| Interest-bearing deposits | 317,637,000 | 356,936,000 | 348,149,000 | 327,497,000 |
| Noninterest-bearing deposits | 29,861,000 | 30,527,000 | 33,976,000 | 30,030,000 |
| Equity capital | 32,364,000 | 28,206,000 | 26,934,000 | 24,573,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,682,000 | 9,201,000 | 13,750,000 | 18,355,000 |
| Interest expense | 2,720,000 | 5,383,000 | 7,928,000 | 10,250,000 |
| Net interest income | 1,962,000 | 3,818,000 | 5,822,000 | 8,105,000 |
| Noninterest income | 441,000 | 673,000 | -230,000 | -356,000 |
| Noninterest expense | 2,569,000 | 6,281,000 | 8,495,000 | 11,623,000 |
| Provision for loan losses | 2,309,000 | 7,205,000 | 9,212,000 | 11,528,000 |
| Pretax income | -2,502,000 | -9,272,000 | -12,392,000 | -15,679,000 |
| Income tax | -1,001,000 | -3,709,000 | -4,957,000 | -6,157,000 |
| Net income | -1,501,000 | -5,563,000 | -7,435,000 | -9,522,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,045,000 | 27,983,000 | 24,461,000 | 21,441,000 |
| Total capital | 36,373,000 | 32,171,000 | 28,856,000 | 25,551,000 |
| Risk-weighted assets | 341,638,000 | 328,186,000 | 331,020,000 | 309,840,000 |