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 | 182,225,000 | 189,054,000 | 190,434,000 | 192,448,000 |
| Total loans | 97,820,000 | 101,224,000 | 108,337,000 | 114,972,000 |
| Allowance for loan losses | 1,447,000 | 1,477,000 | 1,213,000 | 1,355,000 |
| Securities available for sale | 62,116,000 | 59,661,000 | 62,249,000 | 51,244,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,232,000 | 158,164,000 | 160,452,000 | 162,742,000 |
| Interest-bearing deposits | 132,370,000 | 137,314,000 | 140,842,000 | 142,734,000 |
| Noninterest-bearing deposits | 17,862,000 | 20,850,000 | 19,610,000 | 20,008,000 |
| Equity capital | 18,297,000 | 19,123,000 | 18,276,000 | 18,016,000 |
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 | 2,561,000 | 5,116,000 | 7,661,000 | 10,220,000 |
| Interest expense | 850,000 | 1,660,000 | 2,404,000 | 3,102,000 |
| Net interest income | 1,711,000 | 3,456,000 | 5,257,000 | 7,118,000 |
| Noninterest income | 597,000 | 1,183,000 | 1,767,000 | 2,359,000 |
| Noninterest expense | 1,496,000 | 3,031,000 | 4,524,000 | 6,124,000 |
| Provision for loan losses | 61,000 | 111,000 | 151,000 | 286,000 |
| Pretax income | 783,000 | 1,530,000 | 2,382,000 | 3,195,000 |
| Income tax | 137,000 | 320,000 | 525,000 | 790,000 |
| Net income | 646,000 | 1,210,000 | 1,857,000 | 2,405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,079,000 | 17,643,000 | 17,540,000 | 17,338,000 |
| Total capital | 18,361,000 | 18,962,000 | 18,757,000 | 18,693,000 |
| Risk-weighted assets | 101,745,000 | 104,826,000 | 108,359,000 | 113,643,000 |
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