Call reports 2014
GEORGIA BANKING COMPANY — 2014
What GEORGIA BANKING COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 217,642,000 | 233,232,000 | 245,022,000 | 257,892,000 |
| Total loans | 150,731,000 | 164,924,000 | 184,388,000 | 195,033,000 |
| Allowance for loan losses | 909,000 | 743,000 | 794,000 | 904,000 |
| Securities available for sale | 25,889,000 | 25,299,000 | 18,977,000 | 20,208,000 |
| Securities held to maturity | 23,846,000 | 23,194,000 | 22,459,000 | 21,756,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,867,000 | 170,812,000 | 192,568,000 | 193,422,000 |
| Interest-bearing deposits | 138,125,000 | 151,510,000 | 169,226,000 | 176,581,000 |
| Noninterest-bearing deposits | 14,742,000 | 19,302,000 | 23,342,000 | 16,841,000 |
| Equity capital | 25,824,000 | 25,823,000 | 26,223,000 | 26,528,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,571,000 | 3,331,000 | 5,526,000 | 7,652,000 |
| Interest expense | 368,000 | 747,000 | 1,166,000 | 1,588,000 |
| Net interest income | 1,203,000 | 2,584,000 | 4,360,000 | 6,064,000 |
| Noninterest income | 732,000 | 1,811,000 | 3,291,000 | 4,740,000 |
| Noninterest expense | 2,430,000 | 5,105,000 | 8,001,000 | 10,821,000 |
| Provision for loan losses | -82,000 | -78,000 | -223,000 | -116,000 |
| Pretax income | -362,000 | -581,000 | -53,000 | 173,000 |
| Income tax | -123,000 | -210,000 | -40,000 | 4,000 |
| Net income | -239,000 | -371,000 | -13,000 | 169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,258,000 | 26,127,000 | 26,484,000 | 26,667,000 |
| Total capital | 27,167,000 | 26,870,000 | 27,278,000 | 27,571,000 |
| Risk-weighted assets | 108,636,000 | 117,308,000 | 127,472,000 | 139,618,000 |