Call reports 2006
GEORGIA BANK & TRUST — 2006
What GEORGIA BANK & TRUST reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 428,337,000 | 436,380,000 | 446,101,000 | 452,048,000 |
| Total loans | 366,934,000 | 377,086,000 | 384,238,000 | 387,576,000 |
| Allowance for loan losses | 6,411,000 | 5,352,000 | 5,885,000 | 5,573,000 |
| Securities available for sale | 39,204,000 | 37,686,000 | 39,355,000 | 41,065,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 320,266,000 | 338,616,000 | 340,077,000 | 336,506,000 |
| Interest-bearing deposits | 285,784,000 | 317,730,000 | 321,999,000 | 316,956,000 |
| Noninterest-bearing deposits | 34,482,000 | 20,886,000 | 18,078,000 | 19,550,000 |
| Equity capital | 34,689,000 | 35,462,000 | 36,391,000 | 37,006,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 7,069,000 | 14,608,000 | 22,767,000 | 30,800,000 |
| Interest expense | 3,020,000 | 6,433,000 | 10,408,000 | 14,475,000 |
| Net interest income | 4,049,000 | 8,175,000 | 12,359,000 | 16,325,000 |
| Noninterest income | 707,000 | 1,337,000 | 2,019,000 | 2,708,000 |
| Noninterest expense | 1,786,000 | 3,678,000 | 5,760,000 | 7,898,000 |
| Provision for loan losses | 100,000 | -380,000 | 20,000 | -280,000 |
| Pretax income | 2,870,000 | 6,214,000 | 8,598,000 | 11,415,000 |
| Income tax | 1,083,000 | 2,342,000 | 3,224,000 | 4,307,000 |
| Net income | 1,787,000 | 3,872,000 | 5,374,000 | 7,108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,364,000 | 36,218,000 | 36,797,000 | 37,334,000 |
| Total capital | 40,059,000 | 41,231,000 | 41,867,000 | 42,446,000 |
| Risk-weighted assets | 373,860,000 | 401,207,000 | 404,797,000 | 408,544,000 |