Call reports 2003
FIRST NATIONAL BANK OF GEORGIA — 2003
What FIRST NATIONAL BANK OF 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 | 387,533,000 | 384,548,000 | 377,792,000 | 391,473,000 |
| Total loans | 284,782,000 | 286,317,000 | 292,364,000 | 296,045,000 |
| Allowance for loan losses | 3,483,000 | 3,571,000 | 3,589,000 | 3,479,000 |
| Securities available for sale | 53,073,000 | 53,626,000 | 50,888,000 | 54,614,000 |
| Securities held to maturity | 3,500,000 | 3,500,000 | 3,500,000 | 3,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,419,000 | 301,249,000 | 293,078,000 | 307,420,000 |
| Interest-bearing deposits | 260,752,000 | 257,201,000 | 249,798,000 | 262,672,000 |
| Noninterest-bearing deposits | 44,667,000 | 44,048,000 | 43,280,000 | 44,747,000 |
| Equity capital | 34,209,000 | 35,683,000 | 36,147,000 | 37,164,000 |
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 | 5,916,000 | 11,790,000 | 17,729,000 | 23,495,000 |
| Interest expense | 2,005,000 | 3,928,000 | 5,745,000 | 7,528,000 |
| Net interest income | 3,911,000 | 7,862,000 | 11,984,000 | 15,967,000 |
| Noninterest income | 1,315,000 | 2,819,000 | 4,210,000 | 5,581,000 |
| Noninterest expense | 3,175,000 | 6,385,000 | 9,632,000 | 12,726,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 350,000 |
| Pretax income | 1,976,000 | 4,146,000 | 6,337,000 | 8,472,000 |
| Income tax | 604,000 | 1,293,000 | 2,015,000 | 2,680,000 |
| Net income | 1,372,000 | 2,853,000 | 4,322,000 | 5,792,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,792,000 | 33,726,000 | 34,909,000 | 35,801,000 |
| Total capital | 36,275,000 | 37,297,000 | 38,498,000 | 39,280,000 |
| Risk-weighted assets | 291,542,000 | 293,350,000 | 298,099,000 | 307,658,000 |