Call reports 2003
AMERIS BANK — 2003
What AMERIS 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 | 183,733,000 | 176,866,000 | 171,752,000 | 194,556,000 |
| Total loans | 114,858,000 | 123,064,000 | 123,140,000 | 113,306,000 |
| Allowance for loan losses | 1,813,000 | 2,021,000 | 2,002,000 | 1,841,000 |
| Securities available for sale | 26,604,000 | 26,439,000 | 24,219,000 | 26,707,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,404,000 | 149,562,000 | 144,485,000 | 160,667,000 |
| Interest-bearing deposits | 120,394,000 | 111,871,000 | 115,484,000 | 122,076,000 |
| Noninterest-bearing deposits | 37,010,000 | 37,691,000 | 29,001,000 | 38,591,000 |
| Equity capital | 13,069,000 | 13,932,000 | 14,514,000 | 15,358,000 |
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 | 2,396,000 | 4,808,000 | 7,194,000 | 9,433,000 |
| Interest expense | 601,000 | 1,170,000 | 1,674,000 | 2,154,000 |
| Net interest income | 1,795,000 | 3,638,000 | 5,520,000 | 7,279,000 |
| Noninterest income | 452,000 | 938,000 | 1,395,000 | 1,828,000 |
| Noninterest expense | 1,210,000 | 2,390,000 | 3,560,000 | 4,583,000 |
| Provision for loan losses | 42,000 | -10,000 | 97,000 | 39,000 |
| Pretax income | 995,000 | 2,196,000 | 3,258,000 | 4,485,000 |
| Income tax | 324,000 | 720,000 | 1,069,000 | 1,447,000 |
| Net income | 671,000 | 1,476,000 | 2,189,000 | 3,038,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,832,000 | 13,628,000 | 14,350,000 | 15,200,000 |
| Total capital | 14,407,000 | 15,229,000 | 15,936,000 | 16,812,000 |
| Risk-weighted assets | 125,751,000 | 127,644,000 | 126,573,000 | 128,695,000 |