Call reports 2005
GEORGIA BANKING COMPANY — 2005
What 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 | 139,062,000 | 211,636,000 | 234,433,000 | 163,265,000 |
| Total loans | 124,588,000 | 193,756,000 | 180,447,000 | 153,939,000 |
| Allowance for loan losses | 308,000 | 372,000 | 350,000 | 315,000 |
| Securities available for sale | 1,737,000 | 1,682,000 | 1,580,000 | 1,451,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,181,000 | 183,277,000 | 212,419,000 | 134,783,000 |
| Interest-bearing deposits | 120,583,000 | 180,144,000 | 209,324,000 | 128,641,000 |
| Noninterest-bearing deposits | 2,598,000 | 3,133,000 | 3,095,000 | 6,142,000 |
| Equity capital | 14,041,000 | 18,894,000 | 20,236,000 | 19,464,000 |
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 | 2,483,000 | 5,467,000 | 10,078,000 | 13,510,000 |
| Interest expense | 826,000 | 1,920,000 | 4,003,000 | 5,704,000 |
| Net interest income | 1,657,000 | 3,547,000 | 6,075,000 | 7,806,000 |
| Noninterest income | 680,000 | 1,562,000 | 2,754,000 | 3,445,000 |
| Noninterest expense | 1,082,000 | 2,419,000 | 3,978,000 | 7,599,000 |
| Provision for loan losses | 2,000 | 61,000 | 46,000 | 61,000 |
| Pretax income | 1,253,000 | 2,629,000 | 4,805,000 | 3,591,000 |
| Income tax | 478,000 | 1,005,000 | 1,839,000 | 1,382,000 |
| Net income | 775,000 | 1,624,000 | 2,966,000 | 2,209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,041,000 | 18,894,000 | 20,236,000 | 19,464,000 |
| Total capital | 14,349,000 | 19,266,000 | 20,586,000 | 19,779,000 |
| Risk-weighted assets | 75,941,000 | 111,840,000 | 111,247,000 | 87,818,000 |