Call reports 2008
GEORGIA TRUST BANK — 2008
What GEORGIA TRUST BANK 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 | 130,765,000 | 138,696,000 | 142,565,000 | 146,952,000 |
| Total loans | 103,765,000 | 108,068,000 | 110,796,000 | 112,913,000 |
| Allowance for loan losses | 1,450,000 | 1,343,000 | 1,401,000 | 2,033,000 |
| Securities available for sale | 8,105,000 | 8,893,000 | 8,846,000 | 9,210,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,301,000 | 124,140,000 | 128,214,000 | 132,994,000 |
| Interest-bearing deposits | 110,669,000 | 119,289,000 | 122,700,000 | 127,006,000 |
| Noninterest-bearing deposits | 4,632,000 | 4,851,000 | 5,514,000 | 5,988,000 |
| Equity capital | 15,113,000 | 14,167,000 | 13,945,000 | 13,611,000 |
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 | 1,904,000 | 3,717,000 | 5,597,000 | 7,299,000 |
| Interest expense | 1,222,000 | 2,423,000 | 3,627,000 | 4,818,000 |
| Net interest income | 682,000 | 1,294,000 | 1,970,000 | 2,481,000 |
| Noninterest income | 210,000 | 252,000 | 291,000 | 331,000 |
| Noninterest expense | 948,000 | 1,829,000 | 2,713,000 | 3,547,000 |
| Provision for loan losses | 155,000 | 706,000 | 729,000 | 1,658,000 |
| Pretax income | -211,000 | -987,000 | -1,176,000 | -2,388,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -211,000 | -987,000 | -1,176,000 | -2,388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,997,000 | 14,241,000 | 14,071,000 | 13,378,000 |
| Total capital | 16,447,000 | 15,584,000 | 15,472,000 | 14,958,000 |
| Risk-weighted assets | 117,154,000 | 121,167,000 | 124,466,000 | 125,955,000 |