Call reports 2008
GEORGIA COMMUNITY BANK — 2008
What GEORGIA COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 126,090,000 | 129,978,000 | 125,130,000 | 125,896,000 |
| Total loans | 97,225,000 | 101,153,000 | 99,643,000 | 97,095,000 |
| Allowance for loan losses | 1,437,000 | 1,365,000 | 1,385,000 | 1,112,000 |
| Securities available for sale | 13,588,000 | 13,842,000 | 13,540,000 | 12,348,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,465,000 | 109,366,000 | 104,341,000 | 105,363,000 |
| Interest-bearing deposits | 93,432,000 | 97,160,000 | 92,203,000 | 91,876,000 |
| Noninterest-bearing deposits | 12,033,000 | 12,206,000 | 12,138,000 | 13,486,000 |
| Equity capital | 12,752,000 | 12,331,000 | 12,581,000 | 12,567,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,208,000 | 4,285,000 | 6,497,000 | 8,528,000 |
| Interest expense | 998,000 | 1,982,000 | 2,936,000 | 3,776,000 |
| Net interest income | 1,210,000 | 2,303,000 | 3,561,000 | 4,752,000 |
| Noninterest income | 181,000 | 314,000 | 448,000 | 501,000 |
| Noninterest expense | 851,000 | 1,723,000 | 2,675,000 | 3,508,000 |
| Provision for loan losses | 30,000 | 90,000 | 150,000 | 357,000 |
| Pretax income | 510,000 | 804,000 | 1,184,000 | 1,388,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 510,000 | 804,000 | 1,184,000 | 1,388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,477,000 | 12,281,000 | 12,420,000 | 12,425,000 |
| Total capital | 13,661,000 | 13,564,000 | 13,659,000 | 13,537,000 |
| Risk-weighted assets | 96,392,000 | 104,564,000 | 99,747,000 | 99,444,000 |