Call reports 2003
SAVANNAH BANK, NATIONAL ASSOCIATION, THE — 2003
What SAVANNAH BANK, NATIONAL ASSOCIATION, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 302,461,000 | 326,449,000 | 329,858,000 | 344,291,000 |
| Total loans | 247,429,000 | 252,862,000 | 261,878,000 | 289,194,000 |
| Allowance for loan losses | 3,224,000 | 3,364,000 | 3,507,000 | 3,611,000 |
| Securities available for sale | 32,843,000 | 29,515,000 | 29,212,000 | 26,410,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,533,000 | 267,526,000 | 269,973,000 | 280,535,000 |
| Interest-bearing deposits | 231,819,000 | 249,699,000 | 251,188,000 | 262,276,000 |
| Noninterest-bearing deposits | 15,714,000 | 17,827,000 | 18,785,000 | 18,259,000 |
| Equity capital | 23,888,000 | 24,470,000 | 24,854,000 | 25,250,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,970,000 | 7,997,000 | 11,911,000 | 16,028,000 |
| Interest expense | 1,161,000 | 2,308,000 | 3,443,000 | 4,582,000 |
| Net interest income | 2,809,000 | 5,689,000 | 8,468,000 | 11,446,000 |
| Noninterest income | 503,000 | 1,060,000 | 1,688,000 | 2,186,000 |
| Noninterest expense | 1,986,000 | 3,979,000 | 5,990,000 | 8,186,000 |
| Provision for loan losses | 195,000 | 385,000 | 565,000 | 745,000 |
| Pretax income | 1,131,000 | 2,385,000 | 3,601,000 | 4,701,000 |
| Income tax | 372,000 | 802,000 | 1,202,000 | 1,559,000 |
| Net income | 759,000 | 1,583,000 | 2,399,000 | 3,142,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,071,000 | 23,645,000 | 24,211,000 | 24,754,000 |
| Total capital | 26,051,000 | 26,756,000 | 27,396,000 | 28,210,000 |
| Risk-weighted assets | 238,181,000 | 248,652,000 | 254,442,000 | 276,302,000 |
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