Call reports 2009
GEORGIA BANKING COMPANY — 2009
What 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 | 240,184,000 | 216,552,000 | 190,885,000 | 203,180,000 |
| Total loans | 205,282,000 | 181,213,000 | 164,358,000 | 167,669,000 |
| Allowance for loan losses | 1,226,000 | 1,303,000 | 1,612,000 | 1,734,000 |
| Securities available for sale | 8,623,000 | 11,292,000 | 12,761,000 | 12,701,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,855,000 | 182,081,000 | 150,024,000 | 169,901,000 |
| Interest-bearing deposits | 197,127,000 | 173,194,000 | 141,109,000 | 159,663,000 |
| Noninterest-bearing deposits | 6,728,000 | 8,887,000 | 8,915,000 | 10,238,000 |
| Equity capital | 22,766,000 | 22,764,000 | 22,571,000 | 22,220,000 |
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 | 3,205,000 | 6,086,000 | 8,578,000 | 11,162,000 |
| Interest expense | 1,705,000 | 3,350,000 | 4,718,000 | 5,875,000 |
| Net interest income | 1,500,000 | 2,736,000 | 3,860,000 | 5,287,000 |
| Noninterest income | 1,148,000 | 2,638,000 | 3,576,000 | 4,793,000 |
| Noninterest expense | 2,162,000 | 4,387,000 | 6,421,000 | 8,859,000 |
| Provision for loan losses | 163,000 | 602,000 | 1,050,000 | 1,782,000 |
| Pretax income | 323,000 | 385,000 | -35,000 | -561,000 |
| Income tax | 123,000 | 146,000 | -13,000 | -213,000 |
| Net income | 200,000 | 239,000 | -22,000 | -348,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,601,000 | 22,651,000 | 22,388,000 | 22,064,000 |
| Total capital | 23,827,000 | 23,954,000 | 23,748,000 | 23,493,000 |
| Risk-weighted assets | 133,774,000 | 121,914,000 | 108,329,000 | 113,886,000 |