Call reports 2003
BANK OF GEORGIA, THE — 2003
What BANK OF GEORGIA, THE 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 | 183,998,000 | 185,971,000 | 190,307,000 | 204,172,000 |
| Total loans | 133,046,000 | 132,828,000 | 139,799,000 | 149,595,000 |
| Allowance for loan losses | 1,945,000 | 2,019,000 | 2,038,000 | 2,132,000 |
| Securities available for sale | 35,856,000 | 30,018,000 | 35,098,000 | 34,148,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,230,000 | 168,119,000 | 171,323,000 | 184,510,000 |
| Interest-bearing deposits | 153,903,000 | 155,530,000 | 154,914,000 | 160,986,000 |
| Noninterest-bearing deposits | 11,327,000 | 12,589,000 | 16,409,000 | 23,524,000 |
| Equity capital | 15,127,000 | 15,486,000 | 15,340,000 | 15,767,000 |
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 | 2,659,000 | 5,337,000 | 8,207,000 | 11,198,000 |
| Interest expense | 1,207,000 | 2,371,000 | 3,499,000 | 4,593,000 |
| Net interest income | 1,452,000 | 2,966,000 | 4,708,000 | 6,605,000 |
| Noninterest income | 68,000 | 200,000 | 214,000 | 300,000 |
| Noninterest expense | 1,080,000 | 2,126,000 | 3,304,000 | 4,626,000 |
| Provision for loan losses | 75,000 | 150,000 | 168,000 | 266,000 |
| Pretax income | 389,000 | 968,000 | 1,536,000 | 2,099,000 |
| Income tax | 127,000 | 333,000 | 520,000 | 730,000 |
| Net income | 262,000 | 635,000 | 1,016,000 | 1,369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,718,000 | 15,090,000 | 15,472,000 | 15,825,000 |
| Total capital | 16,663,000 | 17,078,000 | 17,487,000 | 17,957,000 |
| Risk-weighted assets | 157,207,000 | 159,022,000 | 161,190,000 | 172,560,000 |