Call reports 2025
GEORGIA BANKING COMPANY — 2025
What GEORGIA BANKING COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 2,473,575,000 | 2,590,918,000 | 2,723,145,000 | 2,693,811,000 |
| Total loans | 2,044,380,000 | 2,244,612,000 | 2,244,896,000 | 2,230,294,000 |
| Allowance for loan losses | 24,285,000 | 24,974,000 | 24,948,000 | 25,574,000 |
| Securities available for sale | 59,998,000 | 54,677,000 | 56,426,000 | 51,796,000 |
| Securities held to maturity | 35,218,000 | 37,707,000 | 41,417,000 | 40,102,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,025,319,000 | 2,086,068,000 | 2,187,556,000 | 2,372,650,000 |
| Interest-bearing deposits | 1,548,286,000 | 1,597,609,000 | 1,624,968,000 | 1,742,297,000 |
| Noninterest-bearing deposits | 477,033,000 | 488,459,000 | 562,588,000 | 630,353,000 |
| Equity capital | 231,884,000 | 239,888,000 | 249,158,000 | 257,999,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 35,987,000 | 77,315,000 | 121,090,000 | 164,822,000 |
| Interest expense | 13,739,000 | 28,782,000 | 44,312,000 | 59,060,000 |
| Net interest income | 22,248,000 | 48,533,000 | 76,778,000 | 105,762,000 |
| Noninterest income | 2,741,000 | 5,248,000 | 6,695,000 | 9,178,000 |
| Noninterest expense | 21,996,000 | 39,214,000 | 57,145,000 | 76,298,000 |
| Provision for loan losses | 2,438,000 | 3,171,000 | 3,905,000 | 4,639,000 |
| Pretax income | 555,000 | 11,396,000 | 22,423,000 | 34,003,000 |
| Income tax | 144,000 | 2,963,000 | 5,832,000 | 8,842,000 |
| Net income | 411,000 | 8,433,000 | 16,591,000 | 25,161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 223,842,000 | 231,958,000 | 240,636,000 | 249,700,000 |
| Total capital | 249,113,000 | 257,918,000 | 266,570,000 | 276,260,000 |
| Risk-weighted assets | 2,088,221,000 | 2,228,867,000 | 2,204,697,000 | 2,167,668,000 |