Call reports 2007
FIRST GEORGIA BANKING COMPANY — 2007
What FIRST GEORGIA BANKING COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 602,946,000 | 629,490,000 | 662,411,000 | 684,490,000 |
| Total loans | 452,197,000 | 490,798,000 | 521,171,000 | 539,709,000 |
| Allowance for loan losses | 5,432,000 | 5,796,000 | 6,052,000 | 6,267,000 |
| Securities available for sale | 75,733,000 | 79,138,000 | 78,618,000 | 80,731,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 538,577,000 | 564,321,000 | 595,643,000 | 617,368,000 |
| Interest-bearing deposits | 503,961,000 | 529,974,000 | 559,286,000 | 583,710,000 |
| Noninterest-bearing deposits | 34,616,000 | 34,347,000 | 36,357,000 | 33,658,000 |
| Equity capital | 62,481,000 | 62,719,000 | 63,923,000 | 64,525,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 10,752,000 | 22,332,000 | 34,723,000 | 46,997,000 |
| Interest expense | 5,656,000 | 11,867,000 | 18,512,000 | 25,193,000 |
| Net interest income | 5,096,000 | 10,465,000 | 16,211,000 | 21,804,000 |
| Noninterest income | 837,000 | 1,688,000 | 2,468,000 | 3,093,000 |
| Noninterest expense | 5,022,000 | 10,118,000 | 15,502,000 | 20,751,000 |
| Provision for loan losses | 292,000 | 793,000 | 1,634,000 | 2,353,000 |
| Pretax income | 619,000 | 1,242,000 | 1,543,000 | 1,827,000 |
| Income tax | 0 | -536,000 | -455,000 | -386,000 |
| Net income | 619,000 | 1,778,000 | 1,998,000 | 2,213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,855,000 | 64,041,000 | 64,306,000 | 64,596,000 |
| Total capital | 68,287,000 | 69,837,000 | 70,358,000 | 70,863,000 |
| Risk-weighted assets | 467,358,000 | 504,651,000 | 531,755,000 | 546,249,000 |