Call reports 2020
GEORGIA COMMUNITY BANK — 2020
What GEORGIA COMMUNITY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 328,153,000 | 346,761,000 | 362,342,000 | 382,786,000 |
| Total loans | 206,232,000 | 225,364,000 | 228,927,000 | 215,536,000 |
| Allowance for loan losses | 2,634,000 | 2,748,000 | 2,606,000 | 2,768,000 |
| Securities available for sale | 54,358,000 | 50,543,000 | 51,393,000 | 54,655,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 279,290,000 | 299,676,000 | 314,891,000 | 335,529,000 |
| Interest-bearing deposits | 205,278,000 | 213,859,000 | 227,877,000 | 238,638,000 |
| Noninterest-bearing deposits | 74,012,000 | 85,817,000 | 87,015,000 | 96,891,000 |
| Equity capital | 41,647,000 | 42,097,000 | 42,750,000 | 43,189,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,615,000 | 7,255,000 | 11,137,000 | 14,691,000 |
| Interest expense | 785,000 | 1,525,000 | 2,267,000 | 3,018,000 |
| Net interest income | 2,830,000 | 5,730,000 | 8,870,000 | 11,673,000 |
| Noninterest income | 308,000 | 562,000 | 802,000 | 895,000 |
| Noninterest expense | 2,163,000 | 4,169,000 | 6,392,000 | 8,646,000 |
| Provision for loan losses | 0 | 200,000 | 200,000 | 400,000 |
| Pretax income | 1,046,000 | 2,206,000 | 3,579,000 | 4,066,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,046,000 | 2,206,000 | 3,579,000 | 4,066,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,124,000 | 40,135,000 | 40,932,000 | 41,420,000 |