Call reports 2005
ALTAMAHA BANK AND TRUST COMPANY — 2005
What ALTAMAHA BANK AND TRUST COMPANY 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 | 121,048,000 | 122,877,000 | 124,620,000 | 128,627,000 |
| Total loans | 87,874,000 | 89,514,000 | 90,294,000 | 98,111,000 |
| Allowance for loan losses | 927,000 | 970,000 | 1,020,000 | 1,088,000 |
| Securities available for sale | 19,265,000 | 20,452,000 | 20,449,000 | 19,458,000 |
| Securities held to maturity | 150,000 | 150,000 | 150,000 | 150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,194,000 | 111,524,000 | 110,950,000 | 114,211,000 |
| Interest-bearing deposits | 96,156,000 | 96,310,000 | 95,371,000 | 97,175,000 |
| Noninterest-bearing deposits | 14,038,000 | 15,214,000 | 15,579,000 | 17,036,000 |
| Equity capital | 10,437,000 | 10,975,000 | 11,216,000 | 11,198,000 |
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 | 1,857,000 | 3,763,000 | 5,728,000 | 7,809,000 |
| Interest expense | 552,000 | 1,136,000 | 1,780,000 | 2,530,000 |
| Net interest income | 1,305,000 | 2,627,000 | 3,948,000 | 5,279,000 |
| Noninterest income | 260,000 | 515,000 | 740,000 | 953,000 |
| Noninterest expense | 1,009,000 | 2,011,000 | 2,991,000 | 4,055,000 |
| Provision for loan losses | 65,000 | 168,000 | 258,000 | 608,000 |
| Pretax income | 492,000 | 962,000 | 1,439,000 | 1,563,000 |
| Income tax | 43,000 | 41,000 | 32,000 | 35,000 |
| Net income | 449,000 | 921,000 | 1,407,000 | 1,528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,821,000 | 11,122,000 | 11,471,000 | 11,591,000 |
| Total capital | 11,748,000 | 12,092,000 | 12,491,000 | 12,679,000 |
| Risk-weighted assets | 86,600,000 | 88,668,000 | 89,100,000 | 91,375,000 |
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