Call reports 2004
FIRST NATIONAL BANK OF SOUTH GEORGIA — 2004
What FIRST NATIONAL BANK OF SOUTH 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 | 82,400,000 | 82,915,000 | 83,531,000 | 85,702,000 |
| Total loans | 70,112,000 | 69,106,000 | 69,938,000 | 72,840,000 |
| Allowance for loan losses | 1,187,000 | 1,154,000 | 1,020,000 | 1,038,000 |
| Securities available for sale | 7,904,000 | 7,456,000 | 7,919,000 | 7,960,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,667,000 | 66,713,000 | 62,336,000 | 58,725,000 |
| Interest-bearing deposits | 47,725,000 | 56,531,000 | 53,174,000 | 50,552,000 |
| Noninterest-bearing deposits | 7,942,000 | 10,182,000 | 9,162,000 | 8,173,000 |
| Equity capital | 6,554,000 | 6,701,000 | 7,112,000 | 6,402,000 |
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 | 1,228,000 | 2,350,000 | 3,543,000 | 4,775,000 |
| Interest expense | 316,000 | 664,000 | 1,043,000 | 1,417,000 |
| Net interest income | 912,000 | 1,686,000 | 2,500,000 | 3,358,000 |
| Noninterest income | 184,000 | 326,000 | 453,000 | 587,000 |
| Noninterest expense | 564,000 | 1,121,000 | 1,680,000 | 2,254,000 |
| Provision for loan losses | 170,000 | 154,000 | 56,000 | 123,000 |
| Pretax income | 362,000 | 737,000 | 1,217,000 | 1,568,000 |
| Income tax | 121,000 | 245,000 | 404,000 | 536,000 |
| Net income | 241,000 | 492,000 | 813,000 | 1,032,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,517,000 | 6,768,000 | 7,088,000 | 6,408,000 |
| Total capital | 7,352,000 | 7,603,000 | 7,922,000 | 7,271,000 |
| Risk-weighted assets | 66,467,000 | 66,495,000 | 66,571,000 | 68,893,000 |