Call reports 2004
FIRST GEORGIA BANKING COMPANY — 2004
What FIRST GEORGIA BANKING COMPANY 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 | 111,617,000 | 137,734,000 | 166,264,000 | 181,906,000 |
| Total loans | 64,738,000 | 94,177,000 | 116,727,000 | 134,337,000 |
| Allowance for loan losses | 826,000 | 1,189,000 | 1,453,000 | 1,705,000 |
| Securities available for sale | 34,259,000 | 33,869,000 | 36,144,000 | 36,809,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,544,000 | 123,774,000 | 151,442,000 | 166,208,000 |
| Interest-bearing deposits | 91,639,000 | 116,492,000 | 143,843,000 | 158,315,000 |
| Noninterest-bearing deposits | 4,905,000 | 7,282,000 | 7,599,000 | 7,893,000 |
| Equity capital | 14,916,000 | 13,804,000 | 14,481,000 | 15,003,000 |
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 | 1,067,000 | 2,650,000 | 4,707,000 | 7,075,000 |
| Interest expense | 355,000 | 931,000 | 1,737,000 | 2,708,000 |
| Net interest income | 712,000 | 1,719,000 | 2,970,000 | 4,367,000 |
| Noninterest income | 153,000 | 377,000 | 648,000 | 992,000 |
| Noninterest expense | 1,110,000 | 2,107,000 | 3,265,000 | 4,531,000 |
| Provision for loan losses | 369,000 | 739,000 | 1,007,000 | 1,277,000 |
| Pretax income | -614,000 | -750,000 | -654,000 | -449,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -614,000 | -750,000 | -654,000 | -449,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,788,000 | 14,652,000 | 14,749,000 | 15,386,000 |
| Total capital | 15,614,000 | 15,841,000 | 16,202,000 | 17,091,000 |
| Risk-weighted assets | 69,195,000 | 98,449,000 | 122,706,000 | 141,044,000 |