Call reports 2005
GEORGIA BANK & TRUST — 2005
What GEORGIA BANK & TRUST 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 | 418,078,000 | 431,790,000 | 431,603,000 | 428,902,000 |
| Total loans | 359,453,000 | 370,764,000 | 372,715,000 | 364,516,000 |
| Allowance for loan losses | 5,444,000 | 5,827,000 | 6,439,000 | 6,342,000 |
| Securities available for sale | 42,685,000 | 41,947,000 | 41,180,000 | 41,103,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 300,503,000 | 305,912,000 | 293,110,000 | 290,277,000 |
| Interest-bearing deposits | 268,732,000 | 272,533,000 | 260,012,000 | 254,536,000 |
| Noninterest-bearing deposits | 31,771,000 | 33,379,000 | 33,098,000 | 35,741,000 |
| Equity capital | 31,592,000 | 32,985,000 | 34,135,000 | 33,979,000 |
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 | 5,737,000 | 11,998,000 | 18,739,000 | 25,744,000 |
| Interest expense | 2,051,000 | 4,371,000 | 6,981,000 | 9,883,000 |
| Net interest income | 3,686,000 | 7,627,000 | 11,758,000 | 15,861,000 |
| Noninterest income | 680,000 | 1,364,000 | 2,059,000 | 2,750,000 |
| Noninterest expense | 1,622,000 | 3,093,000 | 4,673,000 | 6,426,000 |
| Provision for loan losses | 390,000 | 781,000 | 1,461,000 | 1,383,000 |
| Pretax income | 2,354,000 | 5,117,000 | 7,683,000 | 10,802,000 |
| Income tax | 882,000 | 1,936,000 | 2,905,000 | 4,084,000 |
| Net income | 1,472,000 | 3,181,000 | 4,778,000 | 6,718,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,082,000 | 33,256,000 | 34,574,000 | 34,546,000 |
| Total capital | 36,580,000 | 37,869,000 | 39,203,000 | 39,202,000 |
| Risk-weighted assets | 358,829,000 | 367,816,000 | 368,505,000 | 370,800,000 |
Machine access — free, no API key
Every figure shown here about GEORGIA BANK & TRUST — 2005 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.