Call reports 2025
GEORGIA COMMUNITY BANK — 2025
What GEORGIA COMMUNITY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 381,979,000 | 373,874,000 | 366,989,000 | 380,108,000 |
| Total loans | 270,277,000 | 268,204,000 | 263,734,000 | 255,430,000 |
| Allowance for loan losses | 3,249,000 | 3,149,000 | 3,302,000 | 3,229,000 |
| Securities available for sale | 67,663,000 | 68,837,000 | 67,351,000 | 62,424,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 332,297,000 | 324,319,000 | 315,309,000 | 326,828,000 |
| Interest-bearing deposits | 217,625,000 | 213,893,000 | 209,759,000 | 216,886,000 |
| Noninterest-bearing deposits | 114,672,000 | 110,426,000 | 105,550,000 | 109,942,000 |
| Equity capital | 47,141,000 | 46,754,000 | 48,516,000 | 50,709,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,600,000 | 11,397,000 | 17,176,000 | 22,827,000 |
| Interest expense | 1,451,000 | 2,817,000 | 4,168,000 | 5,484,000 |
| Net interest income | 4,149,000 | 8,580,000 | 13,008,000 | 17,343,000 |
| Noninterest income | 382,000 | 741,000 | 1,133,000 | 1,491,000 |
| Noninterest expense | 2,848,000 | 5,705,000 | 8,563,000 | 11,287,000 |
| Provision for loan losses | 160,000 | 320,000 | 430,000 | 490,000 |
| Pretax income | 1,523,000 | 3,296,000 | 5,159,000 | 7,068,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,523,000 | 3,296,000 | 5,159,000 | 7,068,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,254,000 | 49,727,000 | 50,440,000 | 52,349,000 |
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