Call reports 2019
GEORGIA BANKING COMPANY — 2019
What GEORGIA BANKING COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 434,954,000 | 509,959,000 | 575,241,000 | 474,830,000 |
| Total loans | 374,420,000 | 467,682,000 | 532,223,000 | 424,153,000 |
| Allowance for loan losses | 1,607,000 | 1,346,000 | 1,396,000 | 1,490,000 |
| Securities available for sale | 18,142,000 | 10,734,000 | 10,356,000 | 10,852,000 |
| Securities held to maturity | 7,500,000 | 7,000,000 | 6,562,000 | 6,169,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 335,735,000 | 411,568,000 | 468,796,000 | 412,324,000 |
| Interest-bearing deposits | 307,994,000 | 390,212,000 | 418,058,000 | 368,402,000 |
| Noninterest-bearing deposits | 27,741,000 | 21,356,000 | 50,738,000 | 43,922,000 |
| Equity capital | 39,548,000 | 40,372,000 | 41,659,000 | 41,996,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,606,000 | 10,527,000 | 17,228,000 | 23,512,000 |
| Interest expense | 1,551,000 | 3,880,000 | 6,538,000 | 9,002,000 |
| Net interest income | 3,055,000 | 6,647,000 | 10,690,000 | 14,510,000 |
| Noninterest income | 1,137,000 | 2,941,000 | 5,052,000 | 7,030,000 |
| Noninterest expense | 3,987,000 | 8,389,000 | 12,874,000 | 17,385,000 |
| Provision for loan losses | 37,000 | 68,000 | 171,000 | 977,000 |
| Pretax income | 168,000 | 1,151,000 | 2,718,000 | 3,197,000 |
| Income tax | 38,000 | 265,000 | 625,000 | 726,000 |
| Net income | 130,000 | 886,000 | 2,093,000 | 2,471,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,472,000 | 40,276,000 | 41,482,000 | 41,801,000 |
| Total capital | 41,081,000 | 41,622,000 | 42,878,000 | 43,291,000 |
| Risk-weighted assets | 292,845,000 | 337,204,000 | 362,258,000 | 308,029,000 |