Call reports 2009
GEORGIA BANK & TRUST — 2009
What GEORGIA BANK & TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 498,377,000 | 488,528,000 | 513,640,000 | 467,076,000 |
| Total loans | 424,516,000 | 424,046,000 | 414,591,000 | 401,241,000 |
| Allowance for loan losses | 8,851,000 | 10,132,000 | 15,260,000 | 15,517,000 |
| Securities available for sale | 46,029,000 | 42,166,000 | 41,876,000 | 37,778,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 398,922,000 | 384,638,000 | 408,938,000 | 389,148,000 |
| Interest-bearing deposits | 365,109,000 | 350,584,000 | 375,359,000 | 354,591,000 |
| Noninterest-bearing deposits | 33,813,000 | 34,054,000 | 33,579,000 | 34,557,000 |
| Equity capital | 42,272,000 | 41,568,000 | 39,850,000 | 42,144,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,089,000 | 12,248,000 | 18,450,000 | 24,262,000 |
| Interest expense | 2,584,000 | 4,898,000 | 7,124,000 | 9,083,000 |
| Net interest income | 3,505,000 | 7,350,000 | 11,326,000 | 15,179,000 |
| Noninterest income | 628,000 | 1,347,000 | 1,936,000 | 2,347,000 |
| Noninterest expense | 2,517,000 | 5,152,000 | 7,558,000 | 9,940,000 |
| Provision for loan losses | 1,554,000 | 3,746,000 | 13,019,000 | 16,530,000 |
| Pretax income | 62,000 | -201,000 | -7,147,000 | -8,776,000 |
| Income tax | -16,000 | -149,000 | -2,875,000 | -3,531,000 |
| Net income | 78,000 | -52,000 | -4,272,000 | -5,245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,024,000 | 40,570,000 | 38,715,000 | 41,252,000 |
| Total capital | 46,347,000 | 45,859,000 | 44,021,000 | 46,291,000 |
| Risk-weighted assets | 422,272,000 | 418,155,000 | 414,432,000 | 392,613,000 |