Call reports 2010
GEORGIA BANKING COMPANY — 2010
What GEORGIA BANKING COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 207,880,000 | 247,887,000 | 262,169,000 | 242,561,000 |
| Total loans | 144,275,000 | 189,012,000 | 209,689,000 | 185,591,000 |
| Allowance for loan losses | 1,534,000 | 1,665,000 | 1,298,000 | 1,599,000 |
| Securities available for sale | 46,794,000 | 41,074,000 | 35,465,000 | 32,087,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,683,000 | 191,817,000 | 206,953,000 | 205,494,000 |
| Interest-bearing deposits | 143,283,000 | 180,988,000 | 190,741,000 | 191,819,000 |
| Noninterest-bearing deposits | 9,400,000 | 10,829,000 | 16,212,000 | 13,675,000 |
| Equity capital | 21,799,000 | 22,533,000 | 22,976,000 | 22,581,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,040,000 | 4,651,000 | 7,713,000 | 11,091,000 |
| Interest expense | 955,000 | 1,811,000 | 2,746,000 | 3,796,000 |
| Net interest income | 1,085,000 | 2,840,000 | 4,967,000 | 7,295,000 |
| Noninterest income | 1,001,000 | 2,421,000 | 4,107,000 | 6,045,000 |
| Noninterest expense | 2,156,000 | 4,508,000 | 7,254,000 | 10,389,000 |
| Provision for loan losses | 675,000 | 893,000 | 1,438,000 | 2,473,000 |
| Pretax income | -511,000 | 105,000 | 627,000 | 737,000 |
| Income tax | -194,000 | 40,000 | 185,000 | 252,000 |
| Net income | -317,000 | 65,000 | 442,000 | 485,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,745,000 | 22,129,000 | 22,506,000 | 22,549,000 |
| Total capital | 23,082,000 | 23,727,000 | 23,804,000 | 24,094,000 |
| Risk-weighted assets | 106,777,000 | 127,752,000 | 135,434,000 | 123,662,000 |