Call reports 2007
GEORGIA BANKING COMPANY — 2007
What 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 | 138,560,000 | 142,547,000 | 174,736,000 | 206,394,000 |
| Total loans | 122,447,000 | 130,105,000 | 164,683,000 | 187,867,000 |
| Allowance for loan losses | 1,106,000 | 1,187,000 | 1,289,000 | 2,007,000 |
| Securities available for sale | 4,040,000 | 3,895,000 | 3,819,000 | 8,767,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,641,000 | 119,173,000 | 118,311,000 | 154,871,000 |
| Interest-bearing deposits | 112,026,000 | 115,538,000 | 114,568,000 | 151,059,000 |
| Noninterest-bearing deposits | 3,615,000 | 3,635,000 | 3,743,000 | 3,812,000 |
| Equity capital | 21,522,000 | 21,940,000 | 21,980,000 | 21,534,000 |
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 | 3,219,000 | 6,361,000 | 9,150,000 | 12,290,000 |
| Interest expense | 1,605,000 | 3,173,000 | 4,564,000 | 6,436,000 |
| Net interest income | 1,614,000 | 3,188,000 | 4,586,000 | 5,854,000 |
| Noninterest income | 847,000 | 1,782,000 | 2,227,000 | 2,969,000 |
| Noninterest expense | 1,819,000 | 3,503,000 | 4,897,000 | 6,544,000 |
| Provision for loan losses | 16,000 | 153,000 | 579,000 | 1,647,000 |
| Pretax income | 626,000 | 1,314,000 | 1,337,000 | 632,000 |
| Income tax | 245,000 | 501,000 | 511,000 | 259,000 |
| Net income | 381,000 | 813,000 | 826,000 | 373,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,522,000 | 21,954,000 | 21,967,000 | 21,514,000 |
| Total capital | 22,565,000 | 23,049,000 | 23,256,000 | 23,058,000 |
| Risk-weighted assets | 83,376,000 | 87,533,000 | 105,700,000 | 123,112,000 |