Call reports 2003
LUMPKIN COUNTY BANK — 2003
What LUMPKIN COUNTY BANK 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 | 72,049,000 | 75,303,000 | 73,609,000 | 70,948,000 |
| Total loans | 60,214,000 | 59,271,000 | 59,593,000 | 56,406,000 |
| Allowance for loan losses | 647,000 | 681,000 | 2,086,000 | 1,478,000 |
| Securities available for sale | 2,939,000 | 4,738,000 | 4,333,000 | 4,335,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,081,000 | 65,293,000 | 65,436,000 | 62,929,000 |
| Interest-bearing deposits | 57,087,000 | 60,655,000 | 60,505,000 | 57,839,000 |
| Noninterest-bearing deposits | 4,994,000 | 4,638,000 | 4,931,000 | 5,090,000 |
| Equity capital | 6,059,000 | 6,113,000 | 4,314,000 | 4,179,000 |
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 | 1,096,000 | 2,233,000 | 3,323,000 | 4,362,000 |
| Interest expense | 476,000 | 921,000 | 1,301,000 | 1,649,000 |
| Net interest income | 620,000 | 1,312,000 | 2,022,000 | 2,713,000 |
| Noninterest income | 125,000 | 249,000 | -429,000 | -659,000 |
| Noninterest expense | 542,000 | 1,146,000 | 1,711,000 | 2,333,000 |
| Provision for loan losses | 40,000 | 115,000 | 1,557,000 | 1,632,000 |
| Pretax income | 163,000 | 300,000 | -1,675,000 | -1,911,000 |
| Income tax | 30,000 | 83,000 | -200,000 | -230,000 |
| Net income | 133,000 | 217,000 | -1,475,000 | -1,681,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,949,000 | 6,004,000 | 4,327,000 | 4,121,000 |
| Total capital | 6,596,000 | 6,685,000 | 5,057,000 | 4,806,000 |
| Risk-weighted assets | 58,096,000 | 58,536,000 | 57,067,000 | 54,010,000 |