Call reports 2006
GEORGIA TRUST BANK — 2006
What GEORGIA TRUST BANK 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 | 41,722,000 | 57,108,000 | 78,487,000 | 93,076,000 |
| Total loans | 28,410,000 | 41,565,000 | 58,247,000 | 67,310,000 |
| Allowance for loan losses | 313,000 | 457,000 | 641,000 | 899,000 |
| Securities available for sale | 0 | 0 | 1,471,000 | 3,480,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,767,000 | 45,230,000 | 66,598,000 | 81,234,000 |
| Interest-bearing deposits | 25,338,000 | 40,149,000 | 61,642,000 | 73,646,000 |
| Noninterest-bearing deposits | 4,429,000 | 5,081,000 | 4,956,000 | 7,588,000 |
| Equity capital | 11,845,000 | 11,667,000 | 11,591,000 | 11,521,000 |
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 | 721,000 | 1,612,000 | 2,989,000 | 4,697,000 |
| Interest expense | 273,000 | 609,000 | 1,263,000 | 2,171,000 |
| Net interest income | 448,000 | 1,003,000 | 1,726,000 | 2,526,000 |
| Noninterest income | 4,000 | 12,000 | 20,000 | 30,000 |
| Noninterest expense | 570,000 | 1,181,000 | 1,828,000 | 2,449,000 |
| Provision for loan losses | 68,000 | 212,000 | 396,000 | 654,000 |
| Pretax income | -186,000 | -378,000 | -478,000 | -547,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -186,000 | -378,000 | -478,000 | -547,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,845,000 | 11,667,000 | 11,583,000 | 11,529,000 |
| Total capital | 12,158,000 | 12,124,000 | 12,224,000 | 12,428,000 |
| Risk-weighted assets | 33,251,000 | 47,880,000 | 64,943,000 | 77,749,000 |