Call reports 2004
AMERIS BANK — 2004
What AMERIS BANK 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 | 188,782,000 | 180,665,000 | 178,573,000 | 179,883,000 |
| Total loans | 116,258,000 | 125,478,000 | 134,493,000 | 132,244,000 |
| Allowance for loan losses | 1,894,000 | 2,033,000 | 2,168,000 | 2,105,000 |
| Securities available for sale | 33,020,000 | 35,813,000 | 32,822,000 | 30,135,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,590,000 | 153,804,000 | 143,722,000 | 148,090,000 |
| Interest-bearing deposits | 124,913,000 | 119,650,000 | 112,879,000 | 107,803,000 |
| Noninterest-bearing deposits | 35,676,000 | 34,154,000 | 30,843,000 | 40,287,000 |
| Equity capital | 12,867,000 | 13,106,000 | 14,157,000 | 14,938,000 |
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 | 2,250,000 | 4,599,000 | 7,085,000 | 9,639,000 |
| Interest expense | 470,000 | 931,000 | 1,435,000 | 1,946,000 |
| Net interest income | 1,780,000 | 3,668,000 | 5,650,000 | 7,693,000 |
| Noninterest income | 402,000 | 844,000 | 1,300,000 | 1,750,000 |
| Noninterest expense | 1,156,000 | 2,294,000 | 3,468,000 | 4,584,000 |
| Provision for loan losses | 65,000 | 201,000 | 388,000 | 367,000 |
| Pretax income | 961,000 | 2,017,000 | 3,094,000 | 4,492,000 |
| Income tax | 314,000 | 659,000 | 1,012,000 | 1,478,000 |
| Net income | 647,000 | 1,358,000 | 2,082,000 | 3,014,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,612,000 | 13,322,000 | 14,047,000 | 14,979,000 |
| Total capital | 14,186,000 | 14,930,000 | 15,713,000 | 16,709,000 |
| Risk-weighted assets | 125,576,000 | 128,247,000 | 132,796,000 | 138,021,000 |