Call reports 2005
GEORGIA TRUST BANK — 2005
What GEORGIA TRUST BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|
| Total assets | 22,523,000 | 24,059,000 | 40,913,000 |
| Total loans | 7,727,000 | 18,036,000 | 22,265,000 |
| Allowance for loan losses | 85,000 | 198,000 | 245,000 |
| Securities available for sale | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 10,155,000 | 11,893,000 | 28,844,000 |
| Interest-bearing deposits | 6,464,000 | 8,415,000 | 26,611,000 |
| Noninterest-bearing deposits | 3,691,000 | 3,478,000 | 2,234,000 |
| Equity capital | 12,352,000 | 12,158,000 | 12,019,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|
| Interest income | 185,000 | 500,000 | 1,058,000 |
| Interest expense | 19,000 | 79,000 | 301,000 |
| Net interest income | 166,000 | 421,000 | 757,000 |
| Noninterest income | 0 | 4,000 | 6,000 |
| Noninterest expense | 229,000 | 569,000 | 999,000 |
| Provision for loan losses | 85,000 | 198,000 | 245,000 |
| Pretax income | -148,000 | -342,000 | -481,000 |
| Income tax | 0 | 0 | 0 |
| Net income | -148,000 | -342,000 | -481,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|
| Tier 1 capital | 12,352,000 | 12,158,000 | 12,019,000 |
| Total capital | 12,437,000 | 12,356,000 | 12,264,000 |
| Risk-weighted assets | 10,538,000 | 15,220,000 | 26,312,000 |