Call reports 2004
FIRST BANK OF COASTAL GEORGIA — 2004
What FIRST BANK OF COASTAL GEORGIA 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 | 91,244,000 | 84,278,000 | 83,027,000 | 82,912,000 |
| Total loans | 53,084,000 | 50,867,000 | 50,451,000 | 51,321,000 |
| Allowance for loan losses | 1,894,000 | 1,896,000 | 1,927,000 | 1,878,000 |
| Securities available for sale | 29,152,000 | 26,572,000 | 24,992,000 | 24,650,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,745,000 | 68,544,000 | 66,871,000 | 66,639,000 |
| Interest-bearing deposits | 55,954,000 | 53,744,000 | 52,843,000 | 52,401,000 |
| Noninterest-bearing deposits | 13,791,000 | 14,800,000 | 14,028,000 | 14,238,000 |
| Equity capital | 7,900,000 | 7,696,000 | 8,272,000 | 8,551,000 |
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 | 1,241,000 | 2,412,000 | 3,611,000 | 4,856,000 |
| Interest expense | 254,000 | 496,000 | 743,000 | 979,000 |
| Net interest income | 987,000 | 1,916,000 | 2,868,000 | 3,877,000 |
| Noninterest income | 124,000 | 233,000 | 350,000 | 492,000 |
| Noninterest expense | 605,000 | 1,204,000 | 1,840,000 | 2,465,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 495,000 | 904,000 | 1,326,000 | 1,822,000 |
| Income tax | 130,000 | 229,000 | 407,000 | 568,000 |
| Net income | 365,000 | 675,000 | 919,000 | 1,254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,572,000 | 7,879,000 | 8,124,000 | 8,458,000 |
| Total capital | 8,351,000 | 8,587,000 | 8,807,000 | 9,152,000 |
| Risk-weighted assets | 61,207,000 | 55,405,000 | 53,444,000 | 54,280,000 |
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