Call reports 2002
GEORGIA BANK & TRUST — 2002
What GEORGIA BANK & TRUST reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 287,844,000 | 294,735,000 | 310,098,000 | 316,565,000 |
| Total loans | 237,179,000 | 250,325,000 | 266,049,000 | 276,164,000 |
| Allowance for loan losses | 3,470,000 | 3,665,000 | 3,907,000 | 3,977,000 |
| Securities available for sale | 29,801,000 | 29,194,000 | 28,432,000 | 28,859,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,823,000 | 229,189,000 | 232,826,000 | 242,532,000 |
| Interest-bearing deposits | 198,529,000 | 202,602,000 | 208,469,000 | 217,360,000 |
| Noninterest-bearing deposits | 26,294,000 | 26,587,000 | 24,357,000 | 25,172,000 |
| Equity capital | 20,719,000 | 21,829,000 | 23,271,000 | 24,504,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,964,000 | 9,830,000 | 14,959,000 | 20,040,000 |
| Interest expense | 1,995,000 | 3,765,000 | 5,706,000 | 7,574,000 |
| Net interest income | 2,969,000 | 6,065,000 | 9,253,000 | 12,466,000 |
| Noninterest income | 517,000 | 1,022,000 | 1,563,000 | 2,101,000 |
| Noninterest expense | 1,669,000 | 3,347,000 | 5,009,000 | 6,567,000 |
| Provision for loan losses | 240,000 | 480,000 | 720,000 | 880,000 |
| Pretax income | 1,577,000 | 3,260,000 | 5,087,000 | 7,120,000 |
| Income tax | 569,000 | 1,190,000 | 1,873,000 | 2,628,000 |
| Net income | 1,008,000 | 2,070,000 | 3,214,000 | 4,492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,446,000 | 21,298,000 | 22,687,000 | 23,966,000 |
| Total capital | 23,347,000 | 24,327,000 | 25,863,000 | 27,250,000 |
| Risk-weighted assets | 231,554,000 | 241,714,000 | 253,341,000 | 262,057,000 |