Call reports 2007
GEORGIA TRUST BANK — 2007
What GEORGIA TRUST BANK 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 | 103,302,000 | 117,246,000 | 116,467,000 | 119,351,000 |
| Total loans | 77,473,000 | 86,466,000 | 90,244,000 | 93,996,000 |
| Allowance for loan losses | 1,096,000 | 1,144,000 | 1,397,000 | 1,294,000 |
| Securities available for sale | 3,486,000 | 5,926,000 | 6,026,000 | 6,065,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,583,000 | 103,934,000 | 102,933,000 | 105,769,000 |
| Interest-bearing deposits | 83,840,000 | 97,202,000 | 96,172,000 | 99,196,000 |
| Noninterest-bearing deposits | 7,743,000 | 6,732,000 | 6,761,000 | 6,573,000 |
| Equity capital | 11,429,000 | 12,920,000 | 13,134,000 | 13,257,000 |
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 | 1,896,000 | 4,006,000 | 6,086,000 | 8,199,000 |
| Interest expense | 998,000 | 2,149,000 | 3,361,000 | 4,610,000 |
| Net interest income | 898,000 | 1,857,000 | 2,725,000 | 3,589,000 |
| Noninterest income | 18,000 | 69,000 | 470,000 | 528,000 |
| Noninterest expense | 831,000 | 1,648,000 | 2,484,000 | 3,297,000 |
| Provision for loan losses | 197,000 | 356,000 | 693,000 | 746,000 |
| Pretax income | -112,000 | -78,000 | 17,000 | 73,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -112,000 | -78,000 | 17,000 | 73,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,433,000 | 12,981,000 | 13,100,000 | 13,183,000 |
| Total capital | 12,529,000 | 14,125,000 | 14,375,000 | 14,478,000 |
| Risk-weighted assets | 88,095,000 | 98,403,000 | 101,905,000 | 107,144,000 |