Call reports 2007
GEORGIA BANK & TRUST — 2007
What GEORGIA BANK & TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 458,482,000 | 457,946,000 | 465,843,000 | 474,919,000 |
| Total loans | 391,025,000 | 387,455,000 | 394,831,000 | 411,032,000 |
| Allowance for loan losses | 5,039,000 | 4,897,000 | 4,887,000 | 4,820,000 |
| Securities available for sale | 43,698,000 | 45,415,000 | 47,447,000 | 39,714,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 353,735,000 | 354,592,000 | 341,269,000 | 360,616,000 |
| Interest-bearing deposits | 330,075,000 | 333,637,000 | 330,198,000 | 348,398,000 |
| Noninterest-bearing deposits | 23,660,000 | 20,955,000 | 11,071,000 | 12,218,000 |
| Equity capital | 37,895,000 | 37,793,000 | 38,585,000 | 38,929,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 8,199,000 | 16,506,000 | 24,920,000 | 33,203,000 |
| Interest expense | 4,197,000 | 8,487,000 | 12,772,000 | 16,917,000 |
| Net interest income | 4,002,000 | 8,019,000 | 12,148,000 | 16,286,000 |
| Noninterest income | 670,000 | 1,392,000 | 2,239,000 | 2,743,000 |
| Noninterest expense | 2,119,000 | 4,379,000 | 6,583,000 | 8,729,000 |
| Provision for loan losses | -500,000 | -305,000 | -276,000 | -48,000 |
| Pretax income | 3,053,000 | 5,340,000 | 8,083,000 | 10,351,000 |
| Income tax | 1,156,000 | 2,016,000 | 3,050,000 | 3,857,000 |
| Net income | 1,897,000 | 3,324,000 | 5,033,000 | 6,494,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,094,000 | 38,276,000 | 38,689,000 | 38,854,000 |
| Total capital | 43,114,000 | 43,173,000 | 43,576,000 | 43,674,000 |
| Risk-weighted assets | 401,598,000 | 407,210,000 | 412,423,000 | 420,645,000 |