Call reports 2012
GEORGIA BANKING COMPANY — 2012
What GEORGIA BANKING COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 275,738,000 | 299,055,000 | 330,454,000 | 361,165,000 |
| Total loans | 234,769,000 | 259,545,000 | 291,723,000 | 318,570,000 |
| Allowance for loan losses | 1,272,000 | 1,877,000 | 1,798,000 | 1,385,000 |
| Securities available for sale | 23,470,000 | 24,629,000 | 22,242,000 | 23,962,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,437,000 | 251,202,000 | 288,153,000 | 310,783,000 |
| Interest-bearing deposits | 215,549,000 | 231,161,000 | 264,045,000 | 287,989,000 |
| Noninterest-bearing deposits | 14,888,000 | 20,041,000 | 24,108,000 | 22,794,000 |
| Equity capital | 22,509,000 | 22,220,000 | 23,616,000 | 24,837,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,195,000 | 6,200,000 | 10,075,000 | 14,005,000 |
| Interest expense | 639,000 | 1,224,000 | 1,845,000 | 2,498,000 |
| Net interest income | 2,556,000 | 4,976,000 | 8,230,000 | 11,507,000 |
| Noninterest income | 1,854,000 | 3,322,000 | 6,538,000 | 8,252,000 |
| Noninterest expense | 2,969,000 | 5,999,000 | 10,208,000 | 13,007,000 |
| Provision for loan losses | 624,000 | 1,959,000 | 2,084,000 | 2,200,000 |
| Pretax income | 817,000 | 340,000 | 2,476,000 | 4,552,000 |
| Income tax | 300,000 | 129,000 | 941,000 | 1,675,000 |
| Net income | 517,000 | 211,000 | 1,535,000 | 2,877,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,093,000 | 21,787,000 | 23,113,000 | 24,455,000 |
| Total capital | 23,365,000 | 23,664,000 | 24,911,000 | 25,840,000 |
| Risk-weighted assets | 141,884,000 | 152,799,000 | 167,200,000 | 179,606,000 |