Call reports 2004
GEORGIA BANK & TRUST — 2004
What GEORGIA BANK & TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 344,561,000 | 373,286,000 | 393,150,000 | 405,753,000 |
| Total loans | 287,932,000 | 314,524,000 | 334,854,000 | 347,388,000 |
| Allowance for loan losses | 4,499,000 | 4,667,000 | 4,849,000 | 5,061,000 |
| Securities available for sale | 44,838,000 | 44,570,000 | 42,241,000 | 42,420,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 263,808,000 | 257,007,000 | 268,831,000 | 289,045,000 |
| Interest-bearing deposits | 234,726,000 | 228,164,000 | 238,083,000 | 257,266,000 |
| Noninterest-bearing deposits | 29,082,000 | 28,843,000 | 30,748,000 | 31,779,000 |
| Equity capital | 25,961,000 | 27,267,000 | 30,016,000 | 31,037,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,988,000 | 9,989,000 | 15,375,000 | 20,959,000 |
| Interest expense | 1,576,000 | 3,150,000 | 4,644,000 | 6,436,000 |
| Net interest income | 3,412,000 | 6,839,000 | 10,731,000 | 14,523,000 |
| Noninterest income | 642,000 | 1,439,000 | 2,149,000 | 2,834,000 |
| Noninterest expense | 2,489,000 | 4,317,000 | 6,186,000 | 7,886,000 |
| Provision for loan losses | 240,000 | 481,000 | 771,000 | 1,071,000 |
| Pretax income | 1,325,000 | 3,480,000 | 5,923,000 | 8,400,000 |
| Income tax | 484,000 | 1,291,000 | 2,213,000 | 3,148,000 |
| Net income | 841,000 | 2,189,000 | 3,710,000 | 5,252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,556,000 | 27,584,000 | 29,954,000 | 31,178,000 |
| Total capital | 29,089,000 | 31,443,000 | 34,051,000 | 35,454,000 |
| Risk-weighted assets | 281,658,000 | 308,673,000 | 326,990,000 | 341,337,000 |