Call reports 2013
GEORGIA COMMUNITY BANK — 2013
What GEORGIA COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 146,291,000 | 141,632,000 | 141,443,000 | 145,586,000 |
| Total loans | 101,099,000 | 105,773,000 | 109,885,000 | 107,947,000 |
| Allowance for loan losses | 1,160,000 | 1,328,000 | 1,456,000 | 1,578,000 |
| Securities available for sale | 16,364,000 | 15,948,000 | 15,278,000 | 16,160,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,820,000 | 127,250,000 | 126,479,000 | 130,304,000 |
| Interest-bearing deposits | 114,678,000 | 111,575,000 | 108,984,000 | 109,299,000 |
| Noninterest-bearing deposits | 17,142,000 | 15,675,000 | 17,495,000 | 21,005,000 |
| Equity capital | 13,960,000 | 13,744,000 | 14,221,000 | 14,735,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,646,000 | 3,421,000 | 5,226,000 | 7,031,000 |
| Interest expense | 367,000 | 701,000 | 1,035,000 | 1,370,000 |
| Net interest income | 1,279,000 | 2,720,000 | 4,191,000 | 5,661,000 |
| Noninterest income | 137,000 | 231,000 | 373,000 | 744,000 |
| Noninterest expense | 985,000 | 1,821,000 | 2,752,000 | 3,849,000 |
| Provision for loan losses | 280,000 | 420,000 | 540,000 | 660,000 |
| Pretax income | 151,000 | 747,000 | 1,309,000 | 1,933,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 151,000 | 747,000 | 1,309,000 | 1,933,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,913,000 | 14,169,000 | 14,590,000 | 15,214,000 |
| Total capital | 15,073,000 | 15,402,000 | 15,866,000 | 16,472,000 |
| Risk-weighted assets | 97,463,000 | 98,532,000 | 101,926,000 | 100,336,000 |