Call reports 2003
COASTAL BANK OF GEORGIA, THE — 2003
What COASTAL BANK OF GEORGIA, THE 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 | 417,019,000 | 400,824,000 | 401,713,000 | 410,749,000 |
| Total loans | 334,924,000 | 337,180,000 | 340,251,000 | 341,097,000 |
| Allowance for loan losses | 4,178,000 | 4,206,000 | 4,448,000 | 4,036,000 |
| Securities available for sale | 57,106,000 | 44,563,000 | 41,293,000 | 35,139,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 302,827,000 | 290,267,000 | 268,547,000 | 286,732,000 |
| Interest-bearing deposits | 270,243,000 | 255,742,000 | 232,221,000 | 231,842,000 |
| Noninterest-bearing deposits | 32,584,000 | 34,525,000 | 36,326,000 | 54,890,000 |
| Equity capital | 30,428,000 | 30,705,000 | 31,104,000 | 31,829,000 |
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 | 5,513,000 | 10,972,000 | 16,386,000 | 21,572,000 |
| Interest expense | 2,010,000 | 3,943,000 | 5,623,000 | 7,161,000 |
| Net interest income | 3,503,000 | 7,029,000 | 10,763,000 | 14,411,000 |
| Noninterest income | 462,000 | 944,000 | 1,478,000 | 2,080,000 |
| Noninterest expense | 1,753,000 | 3,479,000 | 5,259,000 | 7,241,000 |
| Provision for loan losses | 640,000 | 875,000 | 1,130,000 | 935,000 |
| Pretax income | 1,572,000 | 3,619,000 | 5,852,000 | 8,315,000 |
| Income tax | 588,000 | 1,359,000 | 2,205,000 | 3,141,000 |
| Net income | 984,000 | 2,260,000 | 3,647,000 | 5,174,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,069,000 | 30,345,000 | 30,891,000 | 31,655,000 |
| Total capital | 34,247,000 | 34,551,000 | 35,173,000 | 35,691,000 |
| Risk-weighted assets | 338,329,000 | 339,970,000 | 342,420,000 | 343,137,000 |