Call reports 2004
FSGBANK, NATIONAL ASSOCIATION — 2004
What FSGBANK, NATIONAL ASSOCIATION 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 | 646,639,000 | 657,790,000 | 674,259,000 | 764,951,000 |
| Total loans | 489,303,000 | 500,192,000 | 514,168,000 | 592,357,000 |
| Allowance for loan losses | 5,641,000 | 5,594,000 | 5,448,000 | 8,312,000 |
| Securities available for sale | 89,407,000 | 86,127,000 | 90,435,000 | 110,023,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 550,960,000 | 558,282,000 | 572,921,000 | 646,696,000 |
| Interest-bearing deposits | 442,521,000 | 442,981,000 | 450,076,000 | 531,201,000 |
| Noninterest-bearing deposits | 108,439,000 | 115,301,000 | 122,845,000 | 115,495,000 |
| Equity capital | 75,046,000 | 74,339,000 | 76,525,000 | 78,665,000 |
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 | 8,550,000 | 17,041,000 | 26,159,000 | 37,771,000 |
| Interest expense | 2,034,000 | 4,026,000 | 6,091,000 | 8,759,000 |
| Net interest income | 6,516,000 | 13,015,000 | 20,068,000 | 29,012,000 |
| Noninterest income | 1,222,000 | 2,891,000 | 4,518,000 | 7,532,000 |
| Noninterest expense | 6,112,000 | 12,354,000 | 18,876,000 | 25,956,000 |
| Provision for loan losses | 675,000 | 1,350,000 | 2,025,000 | 3,399,000 |
| Pretax income | 1,035,000 | 2,286,000 | 3,769,000 | 7,273,000 |
| Income tax | 311,000 | 690,000 | 1,164,000 | 2,262,000 |
| Net income | 724,000 | 1,596,000 | 2,605,000 | 5,011,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,920,000 | 59,789,000 | 60,827,000 | 63,277,000 |
| Total capital | 64,561,000 | 65,383,000 | 66,275,000 | 71,227,000 |
| Risk-weighted assets | 524,564,000 | 534,892,000 | 548,037,000 | 635,627,000 |