Call reports 2003
CB&T BANK OF MIDDLE GEORGIA — 2003
What CB&T BANK OF MIDDLE 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 | 318,497,000 | 323,555,000 | 328,433,000 | 347,888,000 |
| Total loans | 264,683,000 | 269,722,000 | 278,505,000 | 290,185,000 |
| Allowance for loan losses | 3,309,000 | 3,568,000 | 3,911,000 | 3,662,000 |
| Securities available for sale | 41,118,000 | 39,659,000 | 36,091,000 | 41,663,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 278,146,000 | 285,656,000 | 295,608,000 | 298,119,000 |
| Interest-bearing deposits | 252,052,000 | 263,143,000 | 270,010,000 | 269,038,000 |
| Noninterest-bearing deposits | 26,094,000 | 22,513,000 | 25,598,000 | 29,081,000 |
| Equity capital | 24,168,000 | 25,480,000 | 25,598,000 | 26,612,000 |
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 | 5,014,000 | 10,190,000 | 15,288,000 | 20,486,000 |
| Interest expense | 1,387,000 | 2,730,000 | 3,974,000 | 5,163,000 |
| Net interest income | 3,627,000 | 7,460,000 | 11,314,000 | 15,323,000 |
| Noninterest income | 543,000 | 1,034,000 | 1,603,000 | 2,224,000 |
| Noninterest expense | 1,520,000 | 2,976,000 | 4,468,000 | 6,229,000 |
| Provision for loan losses | 354,000 | 674,000 | 1,084,000 | 1,562,000 |
| Pretax income | 2,296,000 | 4,844,000 | 7,365,000 | 9,756,000 |
| Income tax | 857,000 | 1,811,000 | 2,757,000 | 3,652,000 |
| Net income | 1,439,000 | 3,033,000 | 4,608,000 | 6,104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,763,000 | 25,167,000 | 25,492,000 | 26,654,000 |
| Total capital | 27,072,000 | 28,578,000 | 29,018,000 | 30,316,000 |
| Risk-weighted assets | 266,840,000 | 272,733,000 | 281,727,000 | 296,891,000 |