Call reports 2013
BANK OF GEORGIA, THE — 2013
What BANK OF GEORGIA, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 331,074,000 | 334,511,000 | 329,632,000 | 312,439,000 |
| Total loans | 229,463,000 | 221,979,000 | 213,440,000 | 208,215,000 |
| Allowance for loan losses | 5,092,000 | 5,113,000 | 3,940,000 | 3,790,000 |
| Securities available for sale | 44,116,000 | 46,558,000 | 50,318,000 | 49,181,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 303,851,000 | 307,274,000 | 303,786,000 | 288,472,000 |
| Interest-bearing deposits | 259,630,000 | 258,492,000 | 253,599,000 | 244,024,000 |
| Noninterest-bearing deposits | 44,221,000 | 48,782,000 | 50,187,000 | 44,448,000 |
| Equity capital | 18,996,000 | 18,318,000 | 17,537,000 | 14,928,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,042,000 | 6,137,000 | 9,024,000 | 11,784,000 |
| Interest expense | 625,000 | 1,232,000 | 1,823,000 | 2,379,000 |
| Net interest income | 2,417,000 | 4,905,000 | 7,201,000 | 9,405,000 |
| Noninterest income | 339,000 | 617,000 | 777,000 | 576,000 |
| Noninterest expense | 2,473,000 | 5,155,000 | 7,754,000 | 10,277,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 450,000 |
| Pretax income | 133,000 | 161,000 | -132,000 | -589,000 |
| Income tax | -6,000 | -52,000 | -150,000 | 1,976,000 |
| Net income | 139,000 | 213,000 | 18,000 | -2,565,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,751,000 | 13,224,000 | 12,575,000 | 11,922,000 |
| Total capital | 17,199,000 | 16,606,000 | 15,854,000 | 15,142,000 |
| Risk-weighted assets | 258,035,000 | 252,599,000 | 245,490,000 | 240,815,000 |