Call reports 2004
GEORGIA COMMUNITY BANK — 2004
What GEORGIA COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 119,851,000 | 118,082,000 | 117,393,000 | 120,282,000 |
| Total loans | 74,670,000 | 77,607,000 | 79,037,000 | 77,968,000 |
| Allowance for loan losses | 2,371,000 | 1,454,000 | 1,393,000 | 1,155,000 |
| Securities available for sale | 25,158,000 | 26,723,000 | 23,863,000 | 23,867,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,767,000 | 108,461,000 | 106,875,000 | 110,460,000 |
| Interest-bearing deposits | 100,019,000 | 99,433,000 | 98,095,000 | 99,136,000 |
| Noninterest-bearing deposits | 9,748,000 | 9,028,000 | 8,780,000 | 11,324,000 |
| Equity capital | 9,776,000 | 9,213,000 | 9,988,000 | 9,533,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,495,000 | 2,967,000 | 4,546,000 | 6,122,000 |
| Interest expense | 526,000 | 1,056,000 | 1,589,000 | 2,142,000 |
| Net interest income | 969,000 | 1,911,000 | 2,957,000 | 3,980,000 |
| Noninterest income | 137,000 | 128,000 | 255,000 | 238,000 |
| Noninterest expense | 715,000 | 1,399,000 | 2,053,000 | 2,725,000 |
| Provision for loan losses | 0 | 40,000 | 248,000 | 953,000 |
| Pretax income | 391,000 | 604,000 | 929,000 | 560,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 391,000 | 604,000 | 929,000 | 560,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,401,000 | 9,614,000 | 9,939,000 | 9,570,000 |
| Total capital | 10,453,000 | 10,687,000 | 11,046,000 | 10,645,000 |
| Risk-weighted assets | 82,821,000 | 85,446,000 | 88,291,000 | 85,956,000 |