Call reports 2011
GEORGIA BANKING COMPANY — 2011
What GEORGIA BANKING COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 223,414,000 | 229,233,000 | 264,406,000 | 289,845,000 |
| Total loans | 121,508,000 | 140,929,000 | 208,814,000 | 251,053,000 |
| Allowance for loan losses | 1,466,000 | 1,488,000 | 1,815,000 | 2,069,000 |
| Securities available for sale | 80,928,000 | 72,839,000 | 39,575,000 | 25,564,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,104,000 | 173,031,000 | 213,825,000 | 243,808,000 |
| Interest-bearing deposits | 177,790,000 | 161,878,000 | 193,763,000 | 226,443,000 |
| Noninterest-bearing deposits | 12,314,000 | 11,153,000 | 20,062,000 | 17,365,000 |
| Equity capital | 22,281,000 | 22,218,000 | 22,274,000 | 21,956,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,216,000 | 4,484,000 | 7,011,000 | 10,330,000 |
| Interest expense | 845,000 | 1,605,000 | 2,284,000 | 2,973,000 |
| Net interest income | 1,371,000 | 2,879,000 | 4,727,000 | 7,357,000 |
| Noninterest income | 637,000 | 1,260,000 | 2,726,000 | 4,127,000 |
| Noninterest expense | 2,383,000 | 4,856,000 | 7,666,000 | 10,981,000 |
| Provision for loan losses | 276,000 | 865,000 | 1,531,000 | 2,510,000 |
| Pretax income | -651,000 | -1,535,000 | -1,354,000 | -1,518,000 |
| Income tax | -241,000 | -554,000 | -484,000 | -546,000 |
| Net income | -410,000 | -981,000 | -870,000 | -972,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,138,000 | 21,567,000 | 21,679,000 | 21,576,000 |
| Total capital | 23,384,000 | 22,797,000 | 23,339,000 | 23,462,000 |
| Risk-weighted assets | 99,585,000 | 105,605,000 | 132,665,000 | 150,746,000 |