Call reports 2005
FIRST NATIONAL BANK OF SOUTH GEORGIA — 2005
What FIRST NATIONAL BANK OF SOUTH GEORGIA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 89,564,000 | 99,536,000 | 106,274,000 | 103,122,000 |
| Total loans | 77,073,000 | 83,665,000 | 93,141,000 | 91,402,000 |
| Allowance for loan losses | 1,178,000 | 1,241,000 | 1,334,000 | 1,273,000 |
| Securities available for sale | 7,620,000 | 7,493,000 | 7,211,000 | 4,990,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,808,000 | 82,952,000 | 85,087,000 | 78,823,000 |
| Interest-bearing deposits | 58,604,000 | 74,913,000 | 73,468,000 | 70,320,000 |
| Noninterest-bearing deposits | 8,204,000 | 8,039,000 | 11,619,000 | 8,503,000 |
| Equity capital | 6,490,000 | 6,815,000 | 7,052,000 | 7,732,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,280,000 | 2,769,000 | 4,480,000 | 6,292,000 |
| Interest expense | 439,000 | 955,000 | 1,626,000 | 2,359,000 |
| Net interest income | 841,000 | 1,814,000 | 2,854,000 | 3,933,000 |
| Noninterest income | 130,000 | 340,000 | 531,000 | 689,000 |
| Noninterest expense | 603,000 | 1,303,000 | 2,034,000 | 2,701,000 |
| Provision for loan losses | 137,000 | 209,000 | 316,000 | 222,000 |
| Pretax income | 252,000 | 662,000 | 1,056,000 | 1,667,000 |
| Income tax | 86,000 | 220,000 | 350,000 | 574,000 |
| Net income | 166,000 | 442,000 | 706,000 | 1,093,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,574,000 | 6,850,000 | 7,114,000 | 7,825,000 |
| Total capital | 7,472,000 | 7,830,000 | 8,169,000 | 8,845,000 |
| Risk-weighted assets | 71,593,000 | 78,176,000 | 84,150,000 | 81,319,000 |