Call reports 2005
FIRST GEORGIA BANKING COMPANY — 2005
What FIRST GEORGIA BANKING COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 211,670,000 | 219,856,000 | 266,514,000 | 333,809,000 |
| Total loans | 145,947,000 | 165,035,000 | 203,573,000 | 263,482,000 |
| Allowance for loan losses | 1,796,000 | 2,008,000 | 2,461,000 | 3,194,000 |
| Securities available for sale | 41,825,000 | 41,395,000 | 40,606,000 | 39,815,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,563,000 | 196,970,000 | 226,538,000 | 266,295,000 |
| Interest-bearing deposits | 179,751,000 | 187,211,000 | 214,925,000 | 245,881,000 |
| Noninterest-bearing deposits | 9,812,000 | 9,759,000 | 11,613,000 | 20,414,000 |
| Equity capital | 21,634,000 | 22,386,000 | 39,441,000 | 56,578,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,750,000 | 6,017,000 | 9,864,000 | 14,917,000 |
| Interest expense | 1,169,000 | 2,558,000 | 4,231,000 | 6,291,000 |
| Net interest income | 1,581,000 | 3,459,000 | 5,633,000 | 8,626,000 |
| Noninterest income | 315,000 | 733,000 | 1,179,000 | 1,694,000 |
| Noninterest expense | 1,288,000 | 2,719,000 | 5,197,000 | 9,177,000 |
| Provision for loan losses | 89,000 | 370,000 | 949,000 | 1,815,000 |
| Pretax income | 519,000 | 1,103,000 | 666,000 | -672,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 519,000 | 1,103,000 | 666,000 | -672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,472,000 | 23,057,000 | 40,120,000 | 57,481,000 |
| Total capital | 24,268,000 | 25,065,000 | 42,581,000 | 60,675,000 |
| Risk-weighted assets | 155,912,000 | 177,123,000 | 220,149,000 | 292,017,000 |