Call reports 2003
CHESTATEE STATE BANK — 2003
What CHESTATEE STATE 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 | 192,699,000 | 202,660,000 | 219,362,000 | 225,877,000 |
| Total loans | 149,909,000 | 155,928,000 | 165,970,000 | 168,477,000 |
| Allowance for loan losses | 2,295,000 | 4,267,000 | 4,543,000 | 3,163,000 |
| Securities available for sale | 9,182,000 | 20,486,000 | 33,418,000 | 34,810,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,206,000 | 170,457,000 | 182,049,000 | 183,975,000 |
| Interest-bearing deposits | 139,440,000 | 152,111,000 | 161,985,000 | 166,566,000 |
| Noninterest-bearing deposits | 15,766,000 | 18,346,000 | 20,064,000 | 17,409,000 |
| Equity capital | 21,868,000 | 21,128,000 | 21,063,000 | 20,639,000 |
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 | 2,795,000 | 5,690,000 | 8,754,000 | 11,830,000 |
| Interest expense | 1,017,000 | 2,008,000 | 3,066,000 | 4,172,000 |
| Net interest income | 1,778,000 | 3,682,000 | 5,688,000 | 7,658,000 |
| Noninterest income | 237,000 | 610,000 | 862,000 | 1,147,000 |
| Noninterest expense | 1,558,000 | 3,014,000 | 4,575,000 | 6,379,000 |
| Provision for loan losses | 177,000 | 2,173,000 | 2,519,000 | 3,677,000 |
| Pretax income | 280,000 | -866,000 | -515,000 | -1,197,000 |
| Income tax | 101,000 | -312,000 | -184,000 | -480,000 |
| Net income | 179,000 | -554,000 | -331,000 | -717,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,814,000 | 21,080,000 | 21,304,000 | 20,917,000 |
| Total capital | 23,860,000 | 23,226,000 | 23,631,000 | 23,286,000 |
| Risk-weighted assets | 163,649,000 | 169,611,000 | 183,927,000 | 188,717,000 |