Call reports 2003
GEORGIA COMMUNITY BANK — 2003
What GEORGIA COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 119,391,000 | 117,320,000 | 115,784,000 | 115,804,000 |
| Total loans | 61,610,000 | 68,342,000 | 74,856,000 | 73,472,000 |
| Allowance for loan losses | 1,756,000 | 1,241,000 | 1,184,000 | 2,403,000 |
| Securities available for sale | 22,623,000 | 27,612,000 | 26,685,000 | 24,706,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,986,000 | 106,500,000 | 105,064,000 | 106,327,000 |
| Interest-bearing deposits | 98,219,000 | 96,230,000 | 95,138,000 | 95,200,000 |
| Noninterest-bearing deposits | 10,767,000 | 10,270,000 | 9,926,000 | 11,127,000 |
| Equity capital | 9,953,000 | 10,324,000 | 10,109,000 | 9,110,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,362,000 | 2,848,000 | 4,376,000 | 5,925,000 |
| Interest expense | 777,000 | 1,493,000 | 2,115,000 | 2,692,000 |
| Net interest income | 585,000 | 1,355,000 | 2,261,000 | 3,233,000 |
| Noninterest income | 121,000 | 242,000 | 367,000 | 500,000 |
| Noninterest expense | 698,000 | 1,321,000 | 1,913,000 | 2,580,000 |
| Provision for loan losses | 0 | 0 | 90,000 | 1,513,000 |
| Pretax income | -2,000 | 256,000 | 592,000 | -408,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -2,000 | 256,000 | 592,000 | -408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,416,000 | 9,674,000 | 10,009,000 | 9,010,000 |
| Total capital | 10,338,000 | 10,661,000 | 11,015,000 | 10,059,000 |
| Risk-weighted assets | 72,955,000 | 78,735,000 | 80,265,000 | 82,533,000 |