Call reports 2002
FIRST BANK OF COASTAL GEORGIA — 2002
What FIRST BANK OF COASTAL GEORGIA reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 81,007,000 | 81,492,000 | 83,881,000 | 85,153,000 |
| Total loans | 48,475,000 | 50,915,000 | 50,700,000 | 51,699,000 |
| Allowance for loan losses | 1,738,000 | 1,779,000 | 1,807,000 | 1,727,000 |
| Securities available for sale | 25,539,000 | 24,340,000 | 23,537,000 | 21,796,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,354,000 | 65,239,000 | 65,840,000 | 67,691,000 |
| Interest-bearing deposits | 54,497,000 | 53,921,000 | 53,054,000 | 55,655,000 |
| Noninterest-bearing deposits | 10,857,000 | 11,318,000 | 12,787,000 | 12,036,000 |
| Equity capital | 9,219,000 | 9,756,000 | 10,172,000 | 9,746,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,337,000 | 2,676,000 | 3,994,000 | 5,191,000 |
| Interest expense | 402,000 | 729,000 | 1,049,000 | 1,422,000 |
| Net interest income | 935,000 | 1,947,000 | 2,945,000 | 3,769,000 |
| Noninterest income | 121,000 | 229,000 | 414,000 | 458,000 |
| Noninterest expense | 722,000 | 1,342,000 | 1,996,000 | 2,620,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 72,000 |
| Pretax income | 334,000 | 834,000 | 1,333,000 | 1,535,000 |
| Income tax | 135,000 | 228,000 | 404,000 | 425,000 |
| Net income | 199,000 | 606,000 | 929,000 | 1,110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,947,000 | 9,354,000 | 9,677,000 | 9,408,000 |
| Total capital | 9,657,000 | 10,091,000 | 10,417,000 | 10,169,000 |
| Risk-weighted assets | 55,676,000 | 57,958,000 | 58,162,000 | 59,901,000 |
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