Call reports 2004
CENTURY BANK OF GEORGIA — 2004
What CENTURY 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 | 81,544,000 | 80,925,000 | 93,225,000 | 94,815,000 |
| Total loans | 60,403,000 | 63,582,000 | 65,637,000 | 70,378,000 |
| Allowance for loan losses | 642,000 | 676,000 | 767,000 | 936,000 |
| Securities available for sale | 11,206,000 | 11,689,000 | 11,743,000 | 12,674,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,453,000 | 68,957,000 | 80,866,000 | 83,450,000 |
| Interest-bearing deposits | 62,593,000 | 61,638,000 | 73,367,000 | 74,670,000 |
| Noninterest-bearing deposits | 6,860,000 | 7,319,000 | 7,499,000 | 8,780,000 |
| Equity capital | 7,913,000 | 7,743,000 | 8,096,000 | 8,100,000 |
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 | 1,121,000 | 2,286,000 | 3,588,000 | 4,991,000 |
| Interest expense | 371,000 | 753,000 | 1,202,000 | 1,710,000 |
| Net interest income | 750,000 | 1,533,000 | 2,386,000 | 3,281,000 |
| Noninterest income | 126,000 | 273,000 | 444,000 | 695,000 |
| Noninterest expense | 670,000 | 1,357,000 | 2,080,000 | 2,911,000 |
| Provision for loan losses | 60,000 | 120,000 | 210,000 | 390,000 |
| Pretax income | 146,000 | 329,000 | 540,000 | 680,000 |
| Income tax | 0 | 52,000 | 124,000 | 137,000 |
| Net income | 146,000 | 277,000 | 416,000 | 543,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,839,000 | 7,970,000 | 8,108,000 | 8,155,000 |
| Total capital | 8,481,000 | 8,646,000 | 8,875,000 | 9,042,000 |
| Risk-weighted assets | 60,667,000 | 64,273,000 | 68,368,000 | 70,919,000 |