Call reports 2016
GEORGIA COMMUNITY BANK — 2016
What GEORGIA COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 153,062,000 | 152,244,000 | 152,836,000 | 159,156,000 |
| Total loans | 115,448,000 | 123,922,000 | 125,383,000 | 117,520,000 |
| Allowance for loan losses | 1,331,000 | 1,414,000 | 1,082,000 | 1,265,000 |
| Securities available for sale | 12,131,000 | 11,387,000 | 11,497,000 | 11,961,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,979,000 | 135,783,000 | 134,788,000 | 141,379,000 |
| Interest-bearing deposits | 114,240,000 | 115,068,000 | 115,673,000 | 120,221,000 |
| Noninterest-bearing deposits | 22,739,000 | 20,715,000 | 19,115,000 | 21,159,000 |
| Equity capital | 15,465,000 | 15,712,000 | 16,004,000 | 16,037,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,752,000 | 3,617,000 | 5,605,000 | 7,463,000 |
| Interest expense | 300,000 | 592,000 | 895,000 | 1,189,000 |
| Net interest income | 1,452,000 | 3,025,000 | 4,710,000 | 6,274,000 |
| Noninterest income | 203,000 | 351,000 | 469,000 | 499,000 |
| Noninterest expense | 1,101,000 | 2,155,000 | 3,251,000 | 4,332,000 |
| Provision for loan losses | 120,000 | 240,000 | 400,000 | 640,000 |
| Pretax income | 434,000 | 981,000 | 1,528,000 | 1,801,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 434,000 | 981,000 | 1,528,000 | 1,801,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,412,000 | 15,549,000 | 15,906,000 | 16,179,000 |
| Total capital | 16,699,000 | 16,921,000 | 16,988,000 | 17,444,000 |
| Risk-weighted assets | 102,983,000 | 109,770,000 | 109,963,000 | 105,637,000 |