Call reports 2002
AMERIS BANK — 2002
What AMERIS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 182,798,000 | 177,147,000 | 175,354,000 | 185,970,000 |
| Total loans | 115,961,000 | 117,109,000 | 119,128,000 | 117,749,000 |
| Allowance for loan losses | 1,891,000 | 1,956,000 | 1,966,000 | 1,894,000 |
| Securities available for sale | 26,142,000 | 27,621,000 | 16,131,000 | 25,022,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,321,000 | 151,469,000 | 147,610,000 | 157,124,000 |
| Interest-bearing deposits | 117,662,000 | 121,783,000 | 118,279,000 | 118,495,000 |
| Noninterest-bearing deposits | 39,659,000 | 29,686,000 | 29,331,000 | 38,629,000 |
| Equity capital | 13,257,000 | 14,333,000 | 15,154,000 | 16,049,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,896,000 | 5,745,000 | 8,544,000 | 11,177,000 |
| Interest expense | 862,000 | 1,663,000 | 2,425,000 | 3,125,000 |
| Net interest income | 2,034,000 | 4,082,000 | 6,119,000 | 8,052,000 |
| Noninterest income | 448,000 | 924,000 | 1,416,000 | 1,908,000 |
| Noninterest expense | 1,422,000 | 2,815,000 | 4,129,000 | 5,231,000 |
| Provision for loan losses | 315,000 | 390,000 | 510,000 | 615,000 |
| Pretax income | 745,000 | 1,802,000 | 3,324,000 | 4,560,000 |
| Income tax | 243,000 | 591,000 | 1,101,000 | 1,494,000 |
| Net income | 502,000 | 1,211,000 | 2,223,000 | 3,066,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,212,000 | 13,921,000 | 14,933,000 | 15,776,000 |
| Total capital | 14,830,000 | 15,558,000 | 16,499,000 | 17,380,000 |
| Risk-weighted assets | 129,155,000 | 130,613,000 | 124,845,000 | 128,063,000 |
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