Call reports 2004
GEORGIA BANKING COMPANY — 2004
What GEORGIA BANKING COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 92,987,000 | 127,976,000 | 136,827,000 | 145,061,000 |
| Total loans | 87,717,000 | 123,907,000 | 126,671,000 | 138,559,000 |
| Allowance for loan losses | 550,000 | 554,000 | 482,000 | 310,000 |
| Securities available for sale | 1,558,000 | 520,000 | 378,000 | 327,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,378,000 | 106,427,000 | 118,076,000 | 127,140,000 |
| Interest-bearing deposits | 71,992,000 | 103,573,000 | 115,009,000 | 123,548,000 |
| Noninterest-bearing deposits | 3,386,000 | 2,854,000 | 3,067,000 | 3,592,000 |
| Equity capital | 7,567,000 | 10,573,000 | 11,421,000 | 13,276,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,024,000 | 2,878,000 | 5,252,000 | 7,874,000 |
| Interest expense | 290,000 | 803,000 | 1,490,000 | 2,280,000 |
| Net interest income | 734,000 | 2,075,000 | 3,762,000 | 5,594,000 |
| Noninterest income | 260,000 | 749,000 | 1,316,000 | 1,953,000 |
| Noninterest expense | 907,000 | 2,076,000 | 3,232,000 | 4,322,000 |
| Provision for loan losses | 0 | 4,000 | -13,000 | -16,000 |
| Pretax income | 87,000 | 743,000 | 1,858,000 | 3,240,000 |
| Income tax | 0 | -444,000 | -17,000 | 511,000 |
| Net income | 87,000 | 1,187,000 | 1,875,000 | 2,729,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,567,000 | 10,573,000 | 11,421,000 | 13,276,000 |
| Total capital | 8,117,000 | 11,127,000 | 11,903,000 | 13,586,000 |
| Risk-weighted assets | 54,672,000 | 75,713,000 | 77,659,000 | 81,524,000 |