Call reports 2009
GEORGIA TRUST BANK — 2009
What GEORGIA TRUST BANK 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 | 151,854,000 | 155,363,000 | 157,399,000 | 159,728,000 |
| Total loans | 115,135,000 | 115,796,000 | 111,826,000 | 109,250,000 |
| Allowance for loan losses | 2,082,000 | 2,087,000 | 2,659,000 | 2,195,000 |
| Securities available for sale | 14,740,000 | 16,125,000 | 17,311,000 | 18,884,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,498,000 | 142,475,000 | 145,956,000 | 149,161,000 |
| Interest-bearing deposits | 132,972,000 | 136,399,000 | 140,823,000 | 142,682,000 |
| Noninterest-bearing deposits | 5,526,000 | 6,076,000 | 5,133,000 | 6,479,000 |
| Equity capital | 12,960,000 | 12,438,000 | 10,923,000 | 10,388,000 |
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 | 1,583,000 | 3,246,000 | 4,951,000 | 6,625,000 |
| Interest expense | 1,108,000 | 2,229,000 | 3,303,000 | 4,295,000 |
| Net interest income | 475,000 | 1,017,000 | 1,648,000 | 2,330,000 |
| Noninterest income | 38,000 | 23,000 | 10,000 | 81,000 |
| Noninterest expense | 898,000 | 1,785,000 | 3,423,000 | 4,230,000 |
| Provision for loan losses | 14,000 | 29,000 | 773,000 | 885,000 |
| Pretax income | -399,000 | -713,000 | -2,477,000 | -2,643,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -399,000 | -713,000 | -2,477,000 | -2,643,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,999,000 | 12,707,000 | 10,964,000 | 10,818,000 |
| Total capital | 14,603,000 | 14,317,000 | 12,568,000 | 12,410,000 |
| Risk-weighted assets | 127,808,000 | 128,332,000 | 127,276,000 | 126,773,000 |