Call reports 2005
FIRST BANK OF COASTAL GEORGIA — 2005
What FIRST BANK OF COASTAL GEORGIA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 95,327,000 | 100,496,000 | 98,450,000 | 104,623,000 |
| Total loans | 55,121,000 | 55,782,000 | 62,005,000 | 64,158,000 |
| Allowance for loan losses | 1,916,000 | 1,924,000 | 1,954,000 | 1,971,000 |
| Securities available for sale | 31,261,000 | 29,224,000 | 24,037,000 | 25,588,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,125,000 | 84,037,000 | 81,591,000 | 87,726,000 |
| Interest-bearing deposits | 60,999,000 | 70,905,000 | 68,243,000 | 74,813,000 |
| Noninterest-bearing deposits | 15,126,000 | 13,132,000 | 13,348,000 | 12,913,000 |
| Equity capital | 8,137,000 | 8,615,000 | 8,925,000 | 8,975,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,333,000 | 2,896,000 | 4,485,000 | 6,197,000 |
| Interest expense | 244,000 | 701,000 | 1,237,000 | 1,788,000 |
| Net interest income | 1,089,000 | 2,195,000 | 3,248,000 | 4,409,000 |
| Noninterest income | 163,000 | 287,000 | 413,000 | 550,000 |
| Noninterest expense | 672,000 | 1,235,000 | 1,853,000 | 2,746,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 550,000 | 1,187,000 | 1,718,000 | 2,093,000 |
| Income tax | 180,000 | 390,000 | 578,000 | 712,000 |
| Net income | 370,000 | 797,000 | 1,140,000 | 1,381,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,202,000 | 8,628,000 | 8,971,000 | 9,212,000 |
| Total capital | 8,962,000 | 9,409,000 | 9,816,000 | 10,090,000 |
| Risk-weighted assets | 59,627,000 | 61,324,000 | 66,481,000 | 69,184,000 |
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