Call reports 2008
GEORGIA BANK & TRUST — 2008
What GEORGIA BANK & TRUST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 490,492,000 | 499,175,000 | 507,227,000 | 496,295,000 |
| Total loans | 417,504,000 | 429,421,000 | 439,891,000 | 431,041,000 |
| Allowance for loan losses | 4,102,000 | 4,588,000 | 5,247,000 | 8,168,000 |
| Securities available for sale | 46,884,000 | 44,986,000 | 46,480,000 | 47,236,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 370,220,000 | 376,509,000 | 377,414,000 | 386,758,000 |
| Interest-bearing deposits | 356,235,000 | 365,867,000 | 367,012,000 | 355,585,000 |
| Noninterest-bearing deposits | 13,985,000 | 10,642,000 | 10,402,000 | 31,173,000 |
| Equity capital | 40,618,000 | 40,213,000 | 40,575,000 | 42,165,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,686,000 | 14,961,000 | 22,122,000 | 28,881,000 |
| Interest expense | 3,713,000 | 6,895,000 | 10,134,000 | 13,238,000 |
| Net interest income | 3,973,000 | 8,066,000 | 11,988,000 | 15,643,000 |
| Noninterest income | 753,000 | 1,411,000 | 1,777,000 | 2,029,000 |
| Noninterest expense | 2,273,000 | 5,228,000 | 7,529,000 | 10,080,000 |
| Provision for loan losses | -764,000 | -384,000 | 452,000 | 4,399,000 |
| Pretax income | 3,217,000 | 4,633,000 | 5,784,000 | 3,193,000 |
| Income tax | 1,220,000 | 1,740,000 | 2,161,000 | 1,130,000 |
| Net income | 1,997,000 | 2,893,000 | 3,623,000 | 2,063,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,953,000 | 40,262,000 | 40,473,000 | 40,931,000 |
| Total capital | 44,055,000 | 44,850,000 | 45,766,000 | 46,377,000 |
| Risk-weighted assets | 431,640,000 | 439,495,000 | 444,437,000 | 432,806,000 |
Machine access — free, no API key
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