Call reports 2006
FIRST GEORGIA BANKING COMPANY — 2006
What FIRST GEORGIA BANKING COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 388,271,000 | 443,623,000 | 521,990,000 | 578,736,000 |
| Total loans | 308,536,000 | 352,124,000 | 389,680,000 | 408,642,000 |
| Allowance for loan losses | 3,753,000 | 4,342,000 | 4,872,000 | 5,244,000 |
| Securities available for sale | 46,565,000 | 43,053,000 | 57,792,000 | 70,114,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 316,846,000 | 366,641,000 | 444,054,000 | 498,538,000 |
| Interest-bearing deposits | 298,256,000 | 343,350,000 | 419,097,000 | 472,591,000 |
| Noninterest-bearing deposits | 18,590,000 | 23,291,000 | 24,957,000 | 25,947,000 |
| Equity capital | 60,570,000 | 60,519,000 | 61,107,000 | 61,724,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,320,000 | 13,763,000 | 22,754,000 | 33,107,000 |
| Interest expense | 2,640,000 | 6,057,000 | 10,439,000 | 15,836,000 |
| Net interest income | 3,680,000 | 7,706,000 | 12,315,000 | 17,271,000 |
| Noninterest income | 491,000 | 1,101,000 | 1,771,000 | 2,558,000 |
| Noninterest expense | 3,728,000 | 7,625,000 | 12,002,000 | 16,685,000 |
| Provision for loan losses | 605,000 | 1,236,000 | 1,961,000 | 2,741,000 |
| Pretax income | -162,000 | -54,000 | 123,000 | 403,000 |
| Income tax | 0 | 7,000 | 11,000 | 0 |
| Net income | -162,000 | -61,000 | 112,000 | 403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,519,000 | 61,634,000 | 61,837,000 | 62,151,000 |
| Total capital | 65,272,000 | 65,976,000 | 66,709,000 | 67,395,000 |
| Risk-weighted assets | 322,809,000 | 366,194,000 | 398,728,000 | 430,449,000 |