Call reports 2009
FIRST GEORGIA BANKING COMPANY — 2009
What FIRST GEORGIA BANKING COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 813,934,000 | 794,800,000 | 781,230,000 | 792,200,000 |
| Total loans | 664,476,000 | 646,539,000 | 634,854,000 | 612,213,000 |
| Allowance for loan losses | 11,485,000 | 10,819,000 | 15,230,000 | 12,878,000 |
| Securities available for sale | 52,478,000 | 48,583,000 | 48,955,000 | 44,955,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 748,625,000 | 702,718,000 | 718,484,000 | 735,409,000 |
| Interest-bearing deposits | 705,748,000 | 661,801,000 | 674,225,000 | 697,125,000 |
| Noninterest-bearing deposits | 42,877,000 | 40,917,000 | 44,259,000 | 38,284,000 |
| Equity capital | 63,548,000 | 62,571,000 | 56,736,000 | 33,767,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 10,247,000 | 20,290,000 | 30,116,000 | 39,200,000 |
| Interest expense | 5,819,000 | 10,581,000 | 14,528,000 | 18,091,000 |
| Net interest income | 4,428,000 | 9,709,000 | 15,588,000 | 21,109,000 |
| Noninterest income | 771,000 | 877,000 | 666,000 | 596,000 |
| Noninterest expense | 5,774,000 | 11,783,000 | 17,948,000 | 23,298,000 |
| Provision for loan losses | 1,919,000 | 6,251,000 | 18,048,000 | 32,170,000 |
| Pretax income | -1,783,000 | -6,727,000 | -19,019,000 | -32,981,000 |
| Income tax | -682,000 | -2,558,000 | -4,733,000 | 3,638,000 |
| Net income | -1,101,000 | -4,169,000 | -14,286,000 | -36,619,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,244,000 | 60,700,000 | 50,710,000 | 34,089,000 |
| Total capital | 68,442,000 | 68,756,000 | 58,522,000 | 41,699,000 |
| Risk-weighted assets | 652,562,000 | 641,724,000 | 617,558,000 | 603,526,000 |