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 | 195,525,000 | 191,679,000 | 192,527,000 | 194,273,000 |
| Total loans | 119,111,000 | 123,876,000 | 124,553,000 | 122,456,000 |
| Allowance for loan losses | 1,536,000 | 1,663,000 | 1,711,000 | 1,694,000 |
| Securities available for sale | 46,124,000 | 49,341,000 | 46,224,000 | 46,739,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,672,000 | 162,221,000 | 164,883,000 | 170,868,000 |
| Interest-bearing deposits | 143,982,000 | 139,900,000 | 140,268,000 | 151,370,000 |
| Noninterest-bearing deposits | 22,690,000 | 22,321,000 | 24,615,000 | 19,498,000 |
| Equity capital | 18,479,000 | 19,109,000 | 19,645,000 | 18,509,000 |
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 | 2,526,000 | 5,246,000 | 8,030,000 | 10,874,000 |
| Interest expense | 754,000 | 1,584,000 | 2,503,000 | 3,475,000 |
| Net interest income | 1,772,000 | 3,662,000 | 5,527,000 | 7,399,000 |
| Noninterest income | 663,000 | 1,372,000 | 2,115,000 | 2,855,000 |
| Noninterest expense | 1,666,000 | 3,458,000 | 5,249,000 | 7,070,000 |
| Provision for loan losses | 98,000 | 199,000 | 303,000 | 305,000 |
| Pretax income | 671,000 | 1,377,000 | 2,090,000 | 2,879,000 |
| Income tax | 140,000 | 325,000 | 479,000 | 702,000 |
| Net income | 531,000 | 1,052,000 | 1,611,000 | 2,177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,188,000 | 18,710,000 | 19,268,000 | 18,334,000 |
| Total capital | 19,651,000 | 20,216,000 | 20,788,000 | 19,843,000 |
| Risk-weighted assets | 116,992,000 | 120,284,000 | 121,383,000 | 120,509,000 |
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