Call reports 2015
GEORGIA BANKING COMPANY — 2015
What GEORGIA BANKING COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 326,408,000 | 365,105,000 | 336,494,000 | 384,114,000 |
| Total loans | 269,637,000 | 317,464,000 | 280,127,000 | 328,901,000 |
| Allowance for loan losses | 955,000 | 1,049,000 | 1,080,000 | 1,063,000 |
| Securities available for sale | 9,093,000 | 8,611,000 | 11,469,000 | 11,039,000 |
| Securities held to maturity | 21,007,000 | 19,990,000 | 19,095,000 | 18,382,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,312,000 | 285,414,000 | 262,623,000 | 306,421,000 |
| Interest-bearing deposits | 231,827,000 | 266,509,000 | 231,394,000 | 284,423,000 |
| Noninterest-bearing deposits | 17,485,000 | 18,905,000 | 31,229,000 | 21,998,000 |
| Equity capital | 27,242,000 | 27,783,000 | 28,478,000 | 28,938,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,421,000 | 5,682,000 | 8,998,000 | 12,215,000 |
| Interest expense | 469,000 | 1,059,000 | 1,643,000 | 2,256,000 |
| Net interest income | 1,952,000 | 4,623,000 | 7,355,000 | 9,959,000 |
| Noninterest income | 2,250,000 | 4,394,000 | 6,170,000 | 7,821,000 |
| Noninterest expense | 3,309,000 | 7,424,000 | 10,936,000 | 14,375,000 |
| Provision for loan losses | 22,000 | 87,000 | 168,000 | 143,000 |
| Pretax income | 882,000 | 1,517,000 | 2,432,000 | 3,273,000 |
| Income tax | 286,000 | 309,000 | 602,000 | 943,000 |
| Net income | 596,000 | 1,208,000 | 1,830,000 | 2,330,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,360,000 | 27,931,000 | 28,479,000 | 28,943,000 |
| Total capital | 28,315,000 | 28,980,000 | 29,559,000 | 30,006,000 |
| Risk-weighted assets | 173,753,000 | 204,780,000 | 196,515,000 | 224,576,000 |