Call reports 2004
BANK OF GEORGIA, THE — 2004
What BANK OF GEORGIA, THE 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 | 220,280,000 | 237,676,000 | 249,947,000 | 248,391,000 |
| Total loans | 159,952,000 | 163,536,000 | 188,068,000 | 192,295,000 |
| Allowance for loan losses | 2,205,000 | 2,222,000 | 2,501,000 | 2,654,000 |
| Securities available for sale | 31,836,000 | 32,836,000 | 37,835,000 | 35,039,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,818,000 | 215,960,000 | 220,283,000 | 212,604,000 |
| Interest-bearing deposits | 175,894,000 | 182,792,000 | 195,689,000 | 189,591,000 |
| Noninterest-bearing deposits | 23,924,000 | 33,168,000 | 24,594,000 | 23,013,000 |
| Equity capital | 16,458,000 | 18,178,000 | 25,752,000 | 26,374,000 |
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 | 3,064,000 | 6,186,000 | 9,721,000 | 13,502,000 |
| Interest expense | 1,037,000 | 2,048,000 | 3,107,000 | 4,177,000 |
| Net interest income | 2,027,000 | 4,138,000 | 6,614,000 | 9,325,000 |
| Noninterest income | 105,000 | 237,000 | 430,000 | 733,000 |
| Noninterest expense | 1,450,000 | 2,908,000 | 4,533,000 | 6,511,000 |
| Provision for loan losses | 80,000 | 150,000 | 430,000 | 585,000 |
| Pretax income | 603,000 | 1,323,000 | 2,098,000 | 2,911,000 |
| Income tax | 210,000 | 423,000 | 661,000 | 889,000 |
| Net income | 393,000 | 900,000 | 1,437,000 | 2,022,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,217,000 | 18,725,000 | 25,762,000 | 26,347,000 |
| Total capital | 18,422,000 | 20,947,000 | 28,263,000 | 29,001,000 |
| Risk-weighted assets | 184,308,000 | 190,740,000 | 204,862,000 | 220,372,000 |