Call reports 2006
FIRST NATIONAL BANK OF GEORGIA — 2006
What FIRST NATIONAL BANK OF GEORGIA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 544,410,000 | 549,623,000 | 556,950,000 | 572,811,000 |
| Total loans | 429,505,000 | 450,959,000 | 447,571,000 | 473,502,000 |
| Allowance for loan losses | 5,606,000 | 5,091,000 | 5,406,000 | 5,748,000 |
| Securities available for sale | 59,514,000 | 54,575,000 | 53,862,000 | 64,251,000 |
| Securities held to maturity | 4,734,000 | 5,692,000 | 5,613,000 | 5,562,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 443,776,000 | 445,165,000 | 453,773,000 | 466,189,000 |
| Interest-bearing deposits | 389,032,000 | 387,650,000 | 394,325,000 | 409,937,000 |
| Noninterest-bearing deposits | 54,744,000 | 57,515,000 | 59,448,000 | 56,252,000 |
| Equity capital | 43,963,000 | 44,587,000 | 46,251,000 | 47,625,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 9,397,000 | 19,564,000 | 30,428,000 | 41,866,000 |
| Interest expense | 4,032,000 | 8,476,000 | 13,366,000 | 18,728,000 |
| Net interest income | 5,365,000 | 11,088,000 | 17,062,000 | 23,138,000 |
| Noninterest income | 1,426,000 | 2,930,000 | 4,546,000 | 6,399,000 |
| Noninterest expense | 3,879,000 | 7,924,000 | 12,240,000 | 16,484,000 |
| Provision for loan losses | 300,000 | 715,000 | 1,090,000 | 1,465,000 |
| Pretax income | 2,612,000 | 5,379,000 | 8,278,000 | 11,588,000 |
| Income tax | 847,000 | 1,684,000 | 2,537,000 | 3,459,000 |
| Net income | 1,765,000 | 3,695,000 | 5,741,000 | 8,129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,845,000 | 44,926,000 | 46,086,000 | 47,555,000 |
| Total capital | 49,476,000 | 50,042,000 | 51,492,000 | 53,303,000 |
| Risk-weighted assets | 457,077,000 | 473,951,000 | 470,727,000 | 494,562,000 |