Call reports 2010
GEORGIA TRUST BANK — 2010
What GEORGIA TRUST BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 161,828,000 | 162,670,000 | 148,892,000 | 144,398,000 |
| Total loans | 104,802,000 | 97,208,000 | 96,204,000 | 91,691,000 |
| Allowance for loan losses | 2,449,000 | 2,022,000 | 3,927,000 | 3,074,000 |
| Securities available for sale | 20,752,000 | 21,983,000 | 25,616,000 | 21,779,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,419,000 | 154,424,000 | 143,486,000 | 140,424,000 |
| Interest-bearing deposits | 146,126,000 | 148,380,000 | 137,249,000 | 134,022,000 |
| Noninterest-bearing deposits | 5,293,000 | 6,044,000 | 6,237,000 | 6,402,000 |
| Equity capital | 10,162,000 | 7,964,000 | 5,133,000 | 3,785,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,506,000 | 2,917,000 | 4,230,000 | 5,520,000 |
| Interest expense | 893,000 | 1,737,000 | 2,517,000 | 3,215,000 |
| Net interest income | 613,000 | 1,180,000 | 1,713,000 | 2,305,000 |
| Noninterest income | 1,000 | -1,607,000 | -2,144,000 | -2,518,000 |
| Noninterest expense | 802,000 | 1,571,000 | 2,441,000 | 3,266,000 |
| Provision for loan losses | 425,000 | 1,099,000 | 3,244,000 | 3,244,000 |
| Pretax income | -613,000 | -2,990,000 | -5,977,000 | -6,584,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -613,000 | -2,990,000 | -5,977,000 | -6,584,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,206,000 | 7,829,000 | 4,841,000 | 4,234,000 |
| Total capital | 11,772,000 | 9,277,000 | 6,224,000 | 5,548,000 |
| Risk-weighted assets | 124,435,000 | 115,245,000 | 108,103,000 | 103,350,000 |