Call reports 2003
FIRST BANK OF COASTAL GEORGIA — 2003
What FIRST BANK OF COASTAL GEORGIA 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 | 93,219,000 | 91,941,000 | 85,078,000 | 82,892,000 |
| Total loans | 51,004,000 | 52,570,000 | 53,610,000 | 51,569,000 |
| Allowance for loan losses | 1,757,000 | 1,708,000 | 1,808,000 | 1,862,000 |
| Securities available for sale | 28,090,000 | 27,466,000 | 26,707,000 | 24,135,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,237,000 | 74,641,000 | 69,551,000 | 65,560,000 |
| Interest-bearing deposits | 62,685,000 | 62,149,000 | 57,296,000 | 52,681,000 |
| Noninterest-bearing deposits | 13,552,000 | 12,492,000 | 12,255,000 | 12,879,000 |
| Equity capital | 9,164,000 | 9,447,000 | 7,639,000 | 8,031,000 |
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 | 1,178,000 | 2,356,000 | 3,594,000 | 4,793,000 |
| Interest expense | 387,000 | 718,000 | 1,000,000 | 1,260,000 |
| Net interest income | 791,000 | 1,638,000 | 2,594,000 | 3,533,000 |
| Noninterest income | 105,000 | 305,000 | 433,000 | 544,000 |
| Noninterest expense | 651,000 | 1,240,000 | 1,867,000 | 2,454,000 |
| Provision for loan losses | 30,000 | 60,000 | 150,000 | 200,000 |
| Pretax income | 215,000 | 643,000 | 1,010,000 | 1,423,000 |
| Income tax | 50,000 | 161,000 | 275,000 | 368,000 |
| Net income | 165,000 | 482,000 | 735,000 | 1,055,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,824,000 | 9,140,000 | 7,493,000 | 7,813,000 |
| Total capital | 9,586,000 | 9,916,000 | 8,266,000 | 8,560,000 |
| Risk-weighted assets | 60,005,000 | 61,138,000 | 60,773,000 | 58,655,000 |
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