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 | 190,339,000 | 187,779,000 | 182,427,000 | 189,691,000 |
| Total loans | 113,936,000 | 119,050,000 | 119,675,000 | 119,025,000 |
| Allowance for loan losses | 1,409,000 | 1,482,000 | 1,496,000 | 1,527,000 |
| Securities available for sale | 47,977,000 | 44,938,000 | 42,825,000 | 39,816,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,447,000 | 157,525,000 | 152,979,000 | 161,245,000 |
| Interest-bearing deposits | 137,156,000 | 138,355,000 | 134,688,000 | 140,268,000 |
| Noninterest-bearing deposits | 22,291,000 | 19,170,000 | 18,291,000 | 20,977,000 |
| Equity capital | 18,705,000 | 18,242,000 | 19,305,000 | 18,253,000 |
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 | 2,441,000 | 4,867,000 | 7,333,000 | 9,835,000 |
| Interest expense | 674,000 | 1,357,000 | 2,068,000 | 2,779,000 |
| Net interest income | 1,767,000 | 3,510,000 | 5,265,000 | 7,056,000 |
| Noninterest income | 603,000 | 1,230,000 | 1,855,000 | 2,470,000 |
| Noninterest expense | 1,603,000 | 3,293,000 | 4,995,000 | 6,651,000 |
| Provision for loan losses | 84,000 | 161,000 | 226,000 | 299,000 |
| Pretax income | 683,000 | 1,292,000 | 1,904,000 | 2,576,000 |
| Income tax | 149,000 | 264,000 | 397,000 | 559,000 |
| Net income | 534,000 | 1,028,000 | 1,507,000 | 2,017,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,674,000 | 18,168,000 | 18,647,000 | 17,657,000 |
| Total capital | 19,074,000 | 19,627,000 | 20,086,000 | 19,105,000 |
| Risk-weighted assets | 111,989,000 | 116,697,000 | 115,043,000 | 115,726,000 |
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