Call reports 2002
GEORGIA BANK & TRUST COMPANY OF AUGUSTA — 2002
What GEORGIA BANK & TRUST COMPANY OF AUGUSTA reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 511,551,000 | 530,065,000 | 548,944,000 | 570,732,000 |
| Total loans | 348,115,000 | 353,806,000 | 382,804,000 | 396,699,000 |
| Allowance for loan losses | 5,374,000 | 5,590,000 | 6,146,000 | 6,534,000 |
| Securities available for sale | 110,925,000 | 117,380,000 | 123,465,000 | 131,237,000 |
| Securities held to maturity | 7,450,000 | 6,598,000 | 6,376,000 | 6,139,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 391,581,000 | 400,680,000 | 426,619,000 | 439,639,000 |
| Interest-bearing deposits | 369,805,000 | 375,423,000 | 394,544,000 | 406,082,000 |
| Noninterest-bearing deposits | 21,776,000 | 25,257,000 | 32,075,000 | 33,557,000 |
| Equity capital | 38,940,000 | 41,345,000 | 43,469,000 | 45,024,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 7,537,000 | 15,268,000 | 23,309,000 | 31,370,000 |
| Interest expense | 2,869,000 | 5,651,000 | 8,462,000 | 11,160,000 |
| Net interest income | 4,668,000 | 9,617,000 | 14,847,000 | 20,210,000 |
| Noninterest income | 2,363,000 | 4,944,000 | 7,934,000 | 11,215,000 |
| Noninterest expense | 4,541,000 | 9,384,000 | 14,437,000 | 20,086,000 |
| Provision for loan losses | 670,000 | 1,085,000 | 1,874,000 | 2,414,000 |
| Pretax income | 1,870,000 | 4,145,000 | 6,641,000 | 9,132,000 |
| Income tax | 606,000 | 1,392,000 | 2,234,000 | 3,096,000 |
| Net income | 1,264,000 | 2,753,000 | 4,407,000 | 6,036,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,048,000 | 39,564,000 | 41,245,000 | 42,899,000 |
| Total capital | 43,046,000 | 44,609,000 | 46,570,000 | 48,386,000 |
| Risk-weighted assets | 399,474,000 | 403,026,000 | 425,171,000 | 437,921,000 |