Call reports 2004
SAVANNAH BANK, NATIONAL ASSOCIATION, THE — 2004
What SAVANNAH BANK, NATIONAL ASSOCIATION, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 380,708,000 | 427,097,000 | 434,570,000 | 468,713,000 |
| Total loans | 326,840,000 | 353,091,000 | 375,758,000 | 403,184,000 |
| Allowance for loan losses | 3,903,000 | 4,252,000 | 4,518,000 | 4,765,000 |
| Securities available for sale | 27,058,000 | 29,150,000 | 24,937,000 | 25,313,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,022,000 | 325,030,000 | 342,878,000 | 380,298,000 |
| Interest-bearing deposits | 289,539,000 | 306,662,000 | 325,487,000 | 360,893,000 |
| Noninterest-bearing deposits | 15,483,000 | 18,368,000 | 17,391,000 | 19,405,000 |
| Equity capital | 25,607,000 | 31,376,000 | 33,596,000 | 34,775,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,460,000 | 9,327,000 | 14,866,000 | 20,993,000 |
| Interest expense | 1,222,000 | 2,643,000 | 4,333,000 | 6,231,000 |
| Net interest income | 3,238,000 | 6,684,000 | 10,533,000 | 14,762,000 |
| Noninterest income | 535,000 | 1,265,000 | 1,989,000 | 2,807,000 |
| Noninterest expense | 2,353,000 | 4,869,000 | 7,583,000 | 10,345,000 |
| Provision for loan losses | 400,000 | 740,000 | 1,005,000 | 1,250,000 |
| Pretax income | 1,020,000 | 2,340,000 | 3,934,000 | 5,974,000 |
| Income tax | 340,000 | 765,000 | 1,273,000 | 2,004,000 |
| Net income | 680,000 | 1,575,000 | 2,661,000 | 3,970,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,134,000 | 31,229,000 | 33,305,000 | 34,623,000 |
| Total capital | 28,992,000 | 35,440,000 | 37,541,000 | 39,302,000 |
| Risk-weighted assets | 308,599,000 | 336,795,000 | 338,571,000 | 374,231,000 |
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