Call reports 2003
GEORGIA CENTRAL BANK — 2003
What GEORGIA CENTRAL BANK 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 | 72,834,000 | 83,369,000 | 79,241,000 | 82,098,000 |
| Total loans | 45,189,000 | 50,131,000 | 51,185,000 | 55,330,000 |
| Allowance for loan losses | 462,000 | 536,000 | 601,000 | 696,000 |
| Securities available for sale | 12,414,000 | 15,184,000 | 15,520,000 | 13,308,000 |
| Securities held to maturity | 4,330,000 | 4,228,000 | 3,986,000 | 3,984,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,566,000 | 75,911,000 | 71,954,000 | 74,783,000 |
| Interest-bearing deposits | 55,835,000 | 65,081,000 | 59,199,000 | 60,105,000 |
| Noninterest-bearing deposits | 9,731,000 | 10,830,000 | 12,755,000 | 14,678,000 |
| Equity capital | 6,623,000 | 6,749,000 | 6,663,000 | 6,773,000 |
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 | 1,027,000 | 2,232,000 | 3,333,000 | 4,590,000 |
| Interest expense | 337,000 | 719,000 | 1,086,000 | 1,449,000 |
| Net interest income | 690,000 | 1,513,000 | 2,247,000 | 3,141,000 |
| Noninterest income | 179,000 | 356,000 | 529,000 | 724,000 |
| Noninterest expense | 777,000 | 1,593,000 | 2,387,000 | 3,223,000 |
| Provision for loan losses | 44,000 | 140,000 | 212,000 | 337,000 |
| Pretax income | 48,000 | 140,000 | 192,000 | 320,000 |
| Income tax | -6,000 | 8,000 | 12,000 | 49,000 |
| Net income | 54,000 | 132,000 | 180,000 | 271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,565,000 | 6,644,000 | 6,705,000 | 6,783,000 |
| Total capital | 7,027,000 | 7,180,000 | 7,306,000 | 7,479,000 |
| Risk-weighted assets | 48,611,000 | 54,494,000 | 54,630,000 | 58,561,000 |