Call reports 2005
FSGBANK, NATIONAL ASSOCIATION — 2005
What FSGBANK, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 795,021,000 | 829,417,000 | 1,059,793,000 | 1,038,891,000 |
| Total loans | 614,417,000 | 623,986,000 | 742,250,000 | 748,659,000 |
| Allowance for loan losses | 8,866,000 | 9,165,000 | 10,519,000 | 10,121,000 |
| Securities available for sale | 108,127,000 | 112,859,000 | 148,132,000 | 155,993,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 672,839,000 | 711,838,000 | 890,394,000 | 871,568,000 |
| Interest-bearing deposits | 547,258,000 | 578,757,000 | 693,232,000 | 708,229,000 |
| Noninterest-bearing deposits | 125,581,000 | 133,081,000 | 197,162,000 | 163,339,000 |
| Equity capital | 78,886,000 | 81,550,000 | 119,160,000 | 120,565,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 11,998,000 | 24,923,000 | 39,575,000 | 56,517,000 |
| Interest expense | 2,988,000 | 6,421,000 | 10,605,000 | 15,863,000 |
| Net interest income | 9,010,000 | 18,502,000 | 28,970,000 | 40,654,000 |
| Noninterest income | 1,630,000 | 3,689,000 | 5,945,000 | 8,277,000 |
| Noninterest expense | 7,655,000 | 15,368,000 | 24,073,000 | 33,728,000 |
| Provision for loan losses | 1,143,000 | 1,986,000 | 2,679,000 | 2,922,000 |
| Pretax income | 1,842,000 | 4,837,000 | 8,163,000 | 12,164,000 |
| Income tax | 576,000 | 1,538,000 | 2,692,000 | 4,024,000 |
| Net income | 1,266,000 | 3,299,000 | 7,856,000 | 10,315,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,724,000 | 66,917,000 | 89,659,000 | 89,681,000 |
| Total capital | 73,311,000 | 75,806,000 | 100,178,000 | 99,802,000 |
| Risk-weighted assets | 686,666,000 | 711,586,000 | 903,430,000 | 891,358,000 |