Call reports 2005
FIRST NATIONAL BANK OF GEORGIA — 2005
What FIRST NATIONAL BANK OF 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 | 473,417,000 | 507,913,000 | 514,909,000 | 520,446,000 |
| Total loans | 377,715,000 | 405,752,000 | 411,309,000 | 422,878,000 |
| Allowance for loan losses | 4,348,000 | 4,651,000 | 4,860,000 | 5,302,000 |
| Securities available for sale | 60,970,000 | 60,209,000 | 55,642,000 | 63,753,000 |
| Securities held to maturity | 2,500,000 | 2,500,000 | 4,361,000 | 4,270,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 377,514,000 | 401,203,000 | 416,707,000 | 431,622,000 |
| Interest-bearing deposits | 324,191,000 | 348,852,000 | 366,172,000 | 380,702,000 |
| Noninterest-bearing deposits | 53,324,000 | 52,352,000 | 50,536,000 | 50,921,000 |
| Equity capital | 40,697,000 | 41,807,000 | 42,463,000 | 43,025,000 |
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 | 7,007,000 | 14,811,000 | 23,260,000 | 32,259,000 |
| Interest expense | 2,372,000 | 5,316,000 | 8,767,000 | 12,584,000 |
| Net interest income | 4,635,000 | 9,495,000 | 14,493,000 | 19,675,000 |
| Noninterest income | 1,338,000 | 2,796,000 | 4,280,000 | 5,757,000 |
| Noninterest expense | 3,502,000 | 7,078,000 | 10,791,000 | 14,443,000 |
| Provision for loan losses | 300,000 | 800,000 | 1,250,000 | 1,550,000 |
| Pretax income | 2,171,000 | 4,413,000 | 6,960,000 | 9,667,000 |
| Income tax | 621,000 | 1,290,000 | 2,053,000 | 2,889,000 |
| Net income | 1,550,000 | 3,123,000 | 4,907,000 | 6,778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,015,000 | 40,839,000 | 41,842,000 | 42,899,000 |
| Total capital | 44,363,000 | 45,690,000 | 46,902,000 | 48,226,000 |
| Risk-weighted assets | 394,975,000 | 429,215,000 | 436,198,000 | 447,045,000 |