Call reports 2003
GEORGIA BANK & TRUST — 2003
What GEORGIA BANK & TRUST 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 | 338,923,000 | 344,977,000 | 337,997,000 | 338,245,000 |
| Total loans | 287,802,000 | 291,303,000 | 285,886,000 | 283,464,000 |
| Allowance for loan losses | 4,015,000 | 4,179,000 | 4,259,000 | 4,370,000 |
| Securities available for sale | 32,310,000 | 33,367,000 | 39,466,000 | 41,377,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,394,000 | 269,936,000 | 258,478,000 | 262,174,000 |
| Interest-bearing deposits | 224,381,000 | 229,673,000 | 232,121,000 | 235,735,000 |
| Noninterest-bearing deposits | 30,013,000 | 40,263,000 | 26,357,000 | 26,439,000 |
| Equity capital | 24,874,000 | 25,162,000 | 26,240,000 | 25,850,000 |
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 | 4,926,000 | 9,903,000 | 14,790,000 | 19,470,000 |
| Interest expense | 1,821,000 | 3,650,000 | 5,381,000 | 7,016,000 |
| Net interest income | 3,105,000 | 6,253,000 | 9,409,000 | 12,454,000 |
| Noninterest income | 627,000 | 1,177,000 | 1,817,000 | 2,559,000 |
| Noninterest expense | 1,549,000 | 3,102,000 | 4,699,000 | 6,456,000 |
| Provision for loan losses | 100,000 | 340,000 | 580,000 | 1,020,000 |
| Pretax income | 2,083,000 | 3,988,000 | 5,977,000 | 7,594,000 |
| Income tax | 773,000 | 1,480,000 | 2,222,000 | 2,819,000 |
| Net income | 1,310,000 | 2,508,000 | 3,755,000 | 4,775,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,401,000 | 24,604,000 | 25,851,000 | 25,538,000 |
| Total capital | 27,869,000 | 28,127,000 | 29,320,000 | 28,991,000 |
| Risk-weighted assets | 276,859,000 | 281,280,000 | 276,737,000 | 275,314,000 |