Call reports 2006
GEORGIA COMMUNITY BANK — 2006
What GEORGIA COMMUNITY BANK 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 | 113,491,000 | 114,533,000 | 117,193,000 | 120,696,000 |
| Total loans | 86,461,000 | 86,791,000 | 90,625,000 | 87,296,000 |
| Allowance for loan losses | 1,728,000 | 1,570,000 | 1,610,000 | 1,689,000 |
| Securities available for sale | 20,324,000 | 17,375,000 | 16,231,000 | 16,156,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,629,000 | 99,411,000 | 101,546,000 | 106,816,000 |
| Interest-bearing deposits | 89,760,000 | 88,417,000 | 91,595,000 | 94,237,000 |
| Noninterest-bearing deposits | 10,868,000 | 10,994,000 | 9,951,000 | 12,579,000 |
| Equity capital | 10,460,000 | 10,602,000 | 10,934,000 | 11,280,000 |
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 | 1,885,000 | 3,839,000 | 5,946,000 | 8,056,000 |
| Interest expense | 777,000 | 1,608,000 | 2,621,000 | 3,658,000 |
| Net interest income | 1,108,000 | 2,231,000 | 3,325,000 | 4,398,000 |
| Noninterest income | 135,000 | 304,000 | 392,000 | 520,000 |
| Noninterest expense | 704,000 | 1,533,000 | 2,328,000 | 3,190,000 |
| Provision for loan losses | 60,000 | 154,000 | 220,000 | 320,000 |
| Pretax income | 479,000 | 848,000 | 1,169,000 | 1,408,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 479,000 | 848,000 | 1,169,000 | 1,408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,817,000 | 11,012,000 | 11,208,000 | 11,446,000 |
| Total capital | 11,899,000 | 12,125,000 | 12,381,000 | 12,590,000 |
| Risk-weighted assets | 85,898,000 | 88,974,000 | 93,782,000 | 91,334,000 |