Call reports 2007
GEORGIA COMMUNITY BANK — 2007
What GEORGIA COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 119,099,000 | 120,063,000 | 119,969,000 | 121,959,000 |
| Total loans | 87,679,000 | 92,960,000 | 92,781,000 | 95,942,000 |
| Allowance for loan losses | 1,578,000 | 1,592,000 | 1,425,000 | 1,501,000 |
| Securities available for sale | 17,127,000 | 17,199,000 | 17,028,000 | 15,546,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,857,000 | 102,658,000 | 99,977,000 | 101,841,000 |
| Interest-bearing deposits | 94,801,000 | 90,963,000 | 87,265,000 | 88,063,000 |
| Noninterest-bearing deposits | 12,057,000 | 11,695,000 | 12,713,000 | 13,778,000 |
| Equity capital | 11,521,000 | 11,481,000 | 12,012,000 | 12,412,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,152,000 | 4,362,000 | 6,575,000 | 8,900,000 |
| Interest expense | 1,064,000 | 2,077,000 | 3,090,000 | 4,093,000 |
| Net interest income | 1,088,000 | 2,285,000 | 3,485,000 | 4,807,000 |
| Noninterest income | 111,000 | 258,000 | 390,000 | 368,000 |
| Noninterest expense | 828,000 | 1,648,000 | 2,442,000 | 3,283,000 |
| Provision for loan losses | 30,000 | 60,000 | 120,000 | 310,000 |
| Pretax income | 341,000 | 835,000 | 1,313,000 | 1,582,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 341,000 | 835,000 | 1,313,000 | 1,582,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,637,000 | 11,780,000 | 12,060,000 | 12,328,000 |
| Total capital | 12,762,000 | 12,951,000 | 13,226,000 | 13,516,000 |
| Risk-weighted assets | 89,042,000 | 92,544,000 | 92,318,000 | 97,019,000 |