Call reports 2016
GEORGIA BANKING COMPANY — 2016
What GEORGIA BANKING COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 371,561,000 | 470,430,000 | 467,396,000 | 438,899,000 |
| Total loans | 318,344,000 | 399,968,000 | 413,614,000 | 374,785,000 |
| Allowance for loan losses | 1,214,000 | 1,214,000 | 1,287,000 | 1,301,000 |
| Securities available for sale | 10,649,000 | 3,520,000 | 3,517,000 | 6,125,000 |
| Securities held to maturity | 17,635,000 | 16,789,000 | 15,729,000 | 14,806,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 292,583,000 | 435,383,000 | 399,815,000 | 357,810,000 |
| Interest-bearing deposits | 274,409,000 | 415,455,000 | 377,176,000 | 335,063,000 |
| Noninterest-bearing deposits | 18,174,000 | 19,928,000 | 22,639,000 | 22,747,000 |
| Equity capital | 29,659,000 | 30,959,000 | 32,337,000 | 33,045,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,509,000 | 7,749,000 | 12,534,000 | 17,140,000 |
| Interest expense | 674,000 | 1,503,000 | 2,408,000 | 3,414,000 |
| Net interest income | 2,835,000 | 6,246,000 | 10,126,000 | 13,726,000 |
| Noninterest income | 1,794,000 | 3,638,000 | 5,826,000 | 7,948,000 |
| Noninterest expense | 3,583,000 | 7,531,000 | 11,512,000 | 15,738,000 |
| Provision for loan losses | 93,000 | 90,000 | 222,000 | 219,000 |
| Pretax income | 953,000 | 2,313,000 | 4,268,000 | 5,767,000 |
| Income tax | 315,000 | 764,000 | 1,354,000 | 2,048,000 |
| Net income | 638,000 | 1,549,000 | 2,914,000 | 3,719,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,633,000 | 30,959,000 | 32,310,000 | 32,639,000 |
| Total capital | 30,847,000 | 32,173,000 | 33,597,000 | 33,940,000 |
| Risk-weighted assets | 226,969,000 | 268,892,000 | 273,252,000 | 255,953,000 |