Call reports 2004
NATIONAL BANK OF GEORGIA, THE — 2004
What NATIONAL BANK OF GEORGIA, 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 | 132,458,000 | 148,316,000 | 157,364,000 | 154,388,000 |
| Total loans | 118,452,000 | 134,364,000 | 135,435,000 | 140,473,000 |
| Allowance for loan losses | 1,467,000 | 1,654,000 | 1,688,000 | 1,707,000 |
| Securities available for sale | 1,859,000 | 1,586,000 | 1,474,000 | 1,449,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,749,000 | 121,295,000 | 139,873,000 | 132,331,000 |
| Interest-bearing deposits | 102,115,000 | 109,270,000 | 129,475,000 | 118,330,000 |
| Noninterest-bearing deposits | 9,634,000 | 12,025,000 | 10,398,000 | 14,001,000 |
| Equity capital | 11,466,000 | 11,730,000 | 12,172,000 | 12,650,000 |
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 | 1,784,000 | 3,758,000 | 5,853,000 | 8,068,000 |
| Interest expense | 595,000 | 1,235,000 | 1,985,000 | 2,807,000 |
| Net interest income | 1,189,000 | 2,523,000 | 3,868,000 | 5,261,000 |
| Noninterest income | 187,000 | 369,000 | 605,000 | 881,000 |
| Noninterest expense | 770,000 | 1,567,000 | 2,441,000 | 3,304,000 |
| Provision for loan losses | 94,000 | 281,000 | 317,000 | 340,000 |
| Pretax income | 512,000 | 1,044,000 | 1,715,000 | 2,498,000 |
| Income tax | 189,000 | 392,000 | 647,000 | 944,000 |
| Net income | 323,000 | 652,000 | 1,068,000 | 1,554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,345,000 | 11,675,000 | 12,090,000 | 12,576,000 |
| Total capital | 12,665,000 | 13,175,000 | 13,607,000 | 14,140,000 |
| Risk-weighted assets | 105,513,000 | 119,055,000 | 121,256,000 | 124,823,000 |
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