Call reports 2015
GEORGIA COMMUNITY BANK — 2015
What GEORGIA COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 143,024,000 | 145,245,000 | 143,275,000 | 150,849,000 |
| Total loans | 111,775,000 | 117,377,000 | 118,395,000 | 114,664,000 |
| Allowance for loan losses | 1,998,000 | 2,046,000 | 1,974,000 | 1,244,000 |
| Securities available for sale | 12,806,000 | 11,297,000 | 10,693,000 | 10,231,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,298,000 | 129,294,000 | 127,516,000 | 135,115,000 |
| Interest-bearing deposits | 108,697,000 | 111,209,000 | 108,945,000 | 112,560,000 |
| Noninterest-bearing deposits | 19,601,000 | 18,085,000 | 18,572,000 | 22,555,000 |
| Equity capital | 14,131,000 | 14,406,000 | 14,896,000 | 15,200,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,673,000 | 3,602,000 | 5,455,000 | 7,300,000 |
| Interest expense | 284,000 | 569,000 | 859,000 | 1,153,000 |
| Net interest income | 1,389,000 | 3,033,000 | 4,596,000 | 6,147,000 |
| Noninterest income | 177,000 | 326,000 | 661,000 | 760,000 |
| Noninterest expense | 1,110,000 | 2,390,000 | 3,768,000 | 4,940,000 |
| Provision for loan losses | 170,000 | 290,000 | 410,000 | 580,000 |
| Pretax income | 286,000 | 679,000 | 1,079,000 | 1,387,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 286,000 | 679,000 | 1,079,000 | 1,387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,131,000 | 14,530,000 | 14,930,000 | 15,238,000 |
| Total capital | 15,401,000 | 15,840,000 | 16,260,000 | 16,482,000 |
| Risk-weighted assets | 101,009,000 | 104,103,000 | 105,760,000 | 103,817,000 |
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