Call reports 2004
FIRST NATIONAL BANK OF GEORGIA — 2004
What FIRST NATIONAL BANK OF 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 | 416,751,000 | 422,013,000 | 442,039,000 | 438,739,000 |
| Total loans | 319,316,000 | 333,776,000 | 346,346,000 | 356,328,000 |
| Allowance for loan losses | 3,623,000 | 3,801,000 | 4,043,000 | 4,080,000 |
| Securities available for sale | 54,648,000 | 54,431,000 | 55,952,000 | 60,232,000 |
| Securities held to maturity | 3,500,000 | 3,500,000 | 2,500,000 | 2,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 320,517,000 | 320,174,000 | 344,698,000 | 340,805,000 |
| Interest-bearing deposits | 275,082,000 | 272,026,000 | 292,434,000 | 293,321,000 |
| Noninterest-bearing deposits | 45,434,000 | 48,148,000 | 52,264,000 | 47,484,000 |
| Equity capital | 38,292,000 | 37,842,000 | 39,516,000 | 40,292,000 |
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 | 5,874,000 | 11,980,000 | 18,347,000 | 25,105,000 |
| Interest expense | 1,753,000 | 3,572,000 | 5,485,000 | 7,570,000 |
| Net interest income | 4,121,000 | 8,408,000 | 12,862,000 | 17,535,000 |
| Noninterest income | 1,364,000 | 2,752,000 | 4,219,000 | 5,643,000 |
| Noninterest expense | 3,430,000 | 6,936,000 | 10,319,000 | 13,628,000 |
| Provision for loan losses | 150,000 | 350,000 | 625,000 | 925,000 |
| Pretax income | 1,905,000 | 3,874,000 | 6,137,000 | 8,625,000 |
| Income tax | 601,000 | 1,139,000 | 1,883,000 | 2,682,000 |
| Net income | 1,304,000 | 2,735,000 | 4,254,000 | 5,943,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,501,000 | 37,303,000 | 38,171,000 | 39,179,000 |
| Total capital | 40,124,000 | 41,104,000 | 42,214,000 | 43,259,000 |
| Risk-weighted assets | 329,517,000 | 343,079,000 | 353,960,000 | 368,330,000 |