Call reports 2003
CENTURY BANK OF GEORGIA — 2003
What CENTURY 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 | 68,390,000 | 73,470,000 | 70,892,000 | 73,708,000 |
| Total loans | 48,858,000 | 49,264,000 | 52,206,000 | 56,817,000 |
| Allowance for loan losses | 443,000 | 515,000 | 536,000 | 610,000 |
| Securities available for sale | 9,878,000 | 15,259,000 | 13,203,000 | 10,649,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,905,000 | 65,695,000 | 62,965,000 | 63,973,000 |
| Interest-bearing deposits | 54,653,000 | 59,362,000 | 56,042,000 | 57,047,000 |
| Noninterest-bearing deposits | 6,252,000 | 6,333,000 | 6,923,000 | 6,926,000 |
| Equity capital | 7,265,000 | 7,539,000 | 7,430,000 | 7,573,000 |
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 | 986,000 | 2,045,000 | 3,125,000 | 4,204,000 |
| Interest expense | 390,000 | 773,000 | 1,128,000 | 1,469,000 |
| Net interest income | 596,000 | 1,272,000 | 1,997,000 | 2,735,000 |
| Noninterest income | 99,000 | 249,000 | 402,000 | 510,000 |
| Noninterest expense | 569,000 | 1,139,000 | 1,732,000 | 2,344,000 |
| Provision for loan losses | 54,000 | 142,000 | 221,000 | 295,000 |
| Pretax income | 72,000 | 264,000 | 470,000 | 638,000 |
| Income tax | 0 | 1,000 | 2,000 | 0 |
| Net income | 72,000 | 263,000 | 468,000 | 638,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,127,000 | 7,318,000 | 7,522,000 | 7,693,000 |
| Total capital | 7,570,000 | 7,833,000 | 8,058,000 | 8,303,000 |
| Risk-weighted assets | 49,158,000 | 51,174,000 | 56,289,000 | 56,663,000 |