Call reports 2019
GEORGIA COMMUNITY BANK — 2019
What GEORGIA COMMUNITY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 171,658,000 | 173,847,000 | 173,361,000 | 331,527,000 |
| Total loans | 131,895,000 | 135,279,000 | 139,264,000 | 204,341,000 |
| Allowance for loan losses | 1,368,000 | 1,411,000 | 1,604,000 | 2,678,000 |
| Securities available for sale | 14,650,000 | 15,168,000 | 14,926,000 | 51,406,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,431,000 | 153,168,000 | 150,002,000 | 279,368,000 |
| Interest-bearing deposits | 119,089,000 | 120,628,000 | 121,089,000 | 206,203,000 |
| Noninterest-bearing deposits | 32,342,000 | 32,540,000 | 28,913,000 | 73,165,000 |
| Equity capital | 16,550,000 | 16,826,000 | 17,436,000 | 41,108,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,119,000 | 4,396,000 | 6,693,000 | 15,635,000 |
| Interest expense | 476,000 | 994,000 | 1,542,000 | 3,122,000 |
| Net interest income | 1,643,000 | 3,402,000 | 5,151,000 | 12,513,000 |
| Noninterest income | 174,000 | 295,000 | 448,000 | 1,343,000 |
| Noninterest expense | 1,173,000 | 2,417,000 | 3,503,000 | 9,408,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 490,000 |
| Pretax income | 584,000 | 1,160,000 | 1,916,000 | 3,958,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 584,000 | 1,160,000 | 1,916,000 | 3,958,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,583,000 | 16,743,000 | 17,324,000 | 39,654,000 |
| Total capital | 17,951,000 | 18,154,000 | 18,814,000 | 42,069,000 |
| Risk-weighted assets | 119,168,000 | 121,395,000 | 119,116,000 | 192,944,000 |