Call reports 2009
GEORGIA COMMUNITY BANK — 2009
What GEORGIA COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 125,872,000 | 124,994,000 | 126,388,000 | 131,391,000 |
| Total loans | 96,652,000 | 98,128,000 | 100,540,000 | 97,738,000 |
| Allowance for loan losses | 1,181,000 | 1,251,000 | 1,424,000 | 1,545,000 |
| Securities available for sale | 13,002,000 | 11,321,000 | 9,914,000 | 9,913,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,213,000 | 104,294,000 | 105,412,000 | 110,938,000 |
| Interest-bearing deposits | 91,459,000 | 90,725,000 | 93,500,000 | 93,670,000 |
| Noninterest-bearing deposits | 13,754,000 | 13,569,000 | 11,912,000 | 17,268,000 |
| Equity capital | 12,920,000 | 12,723,000 | 12,933,000 | 12,818,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,894,000 | 3,774,000 | 5,681,000 | 7,600,000 |
| Interest expense | 843,000 | 1,603,000 | 2,312,000 | 2,978,000 |
| Net interest income | 1,051,000 | 2,171,000 | 3,369,000 | 4,622,000 |
| Noninterest income | 166,000 | 478,000 | 570,000 | 832,000 |
| Noninterest expense | 914,000 | 1,953,000 | 2,955,000 | 3,853,000 |
| Provision for loan losses | 90,000 | 314,000 | 527,000 | 1,194,000 |
| Pretax income | 320,000 | 382,000 | 457,000 | 407,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 320,000 | 382,000 | 457,000 | 407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,745,000 | 12,536,000 | 12,612,000 | 12,561,000 |
| Total capital | 13,926,000 | 13,749,000 | 13,863,000 | 13,777,000 |
| Risk-weighted assets | 97,295,000 | 96,964,000 | 99,909,000 | 98,959,000 |
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