Call reports 2020
GEORGIA BANKING COMPANY — 2020
What GEORGIA BANKING COMPANY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 663,235,000 | 704,572,000 | 734,119,000 | 652,862,000 |
| Total loans | 606,248,000 | 652,645,000 | 690,611,000 | 600,402,000 |
| Allowance for loan losses | 1,602,000 | 1,688,000 | 1,723,000 | 1,528,000 |
| Securities available for sale | 10,213,000 | 12,296,000 | 10,964,000 | 13,774,000 |
| Securities held to maturity | 5,785,000 | 5,386,000 | 4,897,000 | 4,477,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 554,129,000 | 576,999,000 | 635,737,000 | 570,786,000 |
| Interest-bearing deposits | 516,805,000 | 533,678,000 | 582,461,000 | 494,701,000 |
| Noninterest-bearing deposits | 37,324,000 | 43,321,000 | 53,276,000 | 76,086,000 |
| Equity capital | 42,648,000 | 44,147,000 | 47,914,000 | 49,393,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,597,000 | 11,709,000 | 18,604,000 | 25,487,000 |
| Interest expense | 1,995,000 | 3,754,000 | 5,381,000 | 6,846,000 |
| Net interest income | 3,602,000 | 7,955,000 | 13,223,000 | 18,641,000 |
| Noninterest income | 1,266,000 | 3,069,000 | 4,763,000 | 6,438,000 |
| Noninterest expense | 4,224,000 | 8,447,000 | 13,029,000 | 18,454,000 |
| Provision for loan losses | 14,000 | 59,000 | 105,000 | 221,000 |
| Pretax income | 630,000 | 2,518,000 | 4,853,000 | 6,405,000 |
| Income tax | 145,000 | 579,000 | 1,116,000 | 1,188,000 |
| Net income | 485,000 | 1,939,000 | 3,737,000 | 5,217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,284,000 | 43,781,000 | 47,642,000 | 48,964,000 |
| Total capital | 43,886,000 | 45,469,000 | 49,365,000 | 50,492,000 |
| Risk-weighted assets | 417,637,000 | 435,237,000 | 454,327,000 | 398,854,000 |