Call reports 2001
GEORGIA BANK & TRUST — 2001
What GEORGIA BANK & TRUST reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 261,505,000 | 268,823,000 | 281,007,000 | 289,847,000 |
| Total loans | 213,204,000 | 223,219,000 | 236,782,000 | 240,989,000 |
| Allowance for loan losses | 2,773,000 | 2,940,000 | 3,103,000 | 3,296,000 |
| Securities available for sale | 33,970,000 | 31,578,000 | 31,565,000 | 32,820,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,309,000 | 212,931,000 | 214,983,000 | 214,753,000 |
| Interest-bearing deposits | 185,607,000 | 189,956,000 | 191,008,000 | 191,343,000 |
| Noninterest-bearing deposits | 24,702,000 | 22,975,000 | 23,975,000 | 23,410,000 |
| Equity capital | 18,219,000 | 19,568,000 | 21,000,000 | 21,152,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 5,443,000 | 10,931,000 | 16,396,000 | 21,707,000 |
| Interest expense | 3,058,000 | 6,042,000 | 8,794,000 | 11,119,000 |
| Net interest income | 2,385,000 | 4,889,000 | 7,602,000 | 10,588,000 |
| Noninterest income | 469,000 | 936,000 | 1,534,000 | 2,214,000 |
| Noninterest expense | 1,325,000 | 2,655,000 | 4,117,000 | 5,443,000 |
| Provision for loan losses | 187,000 | 375,000 | 563,000 | 810,000 |
| Pretax income | 1,344,000 | 2,797,000 | 4,458,000 | 6,551,000 |
| Income tax | 490,000 | 1,025,000 | 1,641,000 | 2,418,000 |
| Net income | 854,000 | 1,772,000 | 2,817,000 | 4,133,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,944,000 | 19,218,000 | 20,363,000 | 20,738,000 |
| Total capital | 20,489,000 | 21,915,000 | 23,180,000 | 23,596,000 |
| Risk-weighted assets | 203,447,000 | 215,524,000 | 225,072,000 | 228,453,000 |