Call reports 2003
FSGBANK, NATIONAL ASSOCIATION — 2003
What FSGBANK, NATIONAL ASSOCIATION 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 | 255,814,000 | 264,381,000 | 619,412,000 | 642,878,000 |
| Total loans | 194,682,000 | 206,036,000 | 446,578,000 | 478,013,000 |
| Allowance for loan losses | 3,351,000 | 2,918,000 | 6,378,000 | 5,827,000 |
| Securities available for sale | 31,753,000 | 31,965,000 | 86,650,000 | 86,499,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 215,396,000 | 222,093,000 | 517,047,000 | 546,390,000 |
| Interest-bearing deposits | 172,990,000 | 176,161,000 | 411,171,000 | 440,112,000 |
| Noninterest-bearing deposits | 42,406,000 | 45,932,000 | 105,876,000 | 106,278,000 |
| Equity capital | 23,134,000 | 23,776,000 | 72,815,000 | 73,970,000 |
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 | 3,668,000 | 7,367,000 | 23,124,000 | 31,554,000 |
| Interest expense | 1,024,000 | 2,040,000 | 6,847,000 | 8,897,000 |
| Net interest income | 2,644,000 | 5,327,000 | 16,277,000 | 22,657,000 |
| Noninterest income | 551,000 | 1,147,000 | 3,972,000 | 5,294,000 |
| Noninterest expense | 2,179,000 | 4,384,000 | 15,321,000 | 21,046,000 |
| Provision for loan losses | 308,000 | 512,000 | 1,499,000 | 2,122,000 |
| Pretax income | 708,000 | 1,578,000 | 3,453,000 | 4,807,000 |
| Income tax | 246,000 | 578,000 | 1,295,000 | 1,566,000 |
| Net income | 462,000 | 1,000,000 | 2,158,000 | 3,241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,929,000 | 22,467,000 | 60,007,000 | 57,836,000 |
| Total capital | 24,455,000 | 25,131,000 | 65,958,000 | 63,663,000 |
| Risk-weighted assets | 201,387,000 | 213,532,000 | 475,071,000 | 503,914,000 |