Call reports 2003
GEORGIA BANK & TRUST COMPANY OF AUGUSTA — 2003
What GEORGIA BANK & TRUST COMPANY OF AUGUSTA reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 593,251,000 | 605,494,000 | 624,072,000 | 629,465,000 |
| Total loans | 408,273,000 | 421,100,000 | 418,207,000 | 432,679,000 |
| Allowance for loan losses | 6,831,000 | 7,075,000 | 6,974,000 | 7,278,000 |
| Securities available for sale | 137,663,000 | 125,413,000 | 135,043,000 | 148,660,000 |
| Securities held to maturity | 6,137,000 | 5,637,000 | 5,438,000 | 5,438,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 463,116,000 | 477,218,000 | 481,608,000 | 485,045,000 |
| Interest-bearing deposits | 431,358,000 | 441,701,000 | 451,882,000 | 454,483,000 |
| Noninterest-bearing deposits | 31,758,000 | 35,517,000 | 29,726,000 | 30,562,000 |
| Equity capital | 47,295,000 | 48,545,000 | 48,937,000 | 49,999,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 7,913,000 | 15,990,000 | 24,118,000 | 32,337,000 |
| Interest expense | 2,591,000 | 5,144,000 | 7,461,000 | 9,685,000 |
| Net interest income | 5,322,000 | 10,846,000 | 16,657,000 | 22,652,000 |
| Noninterest income | 3,128,000 | 7,055,000 | 11,393,000 | 14,727,000 |
| Noninterest expense | 5,200,000 | 11,127,000 | 17,823,000 | 23,543,000 |
| Provision for loan losses | 475,000 | 906,000 | 1,125,000 | 1,694,000 |
| Pretax income | 2,821,000 | 5,897,000 | 9,057,000 | 11,939,000 |
| Income tax | 968,000 | 2,045,000 | 3,105,000 | 3,983,000 |
| Net income | 1,853,000 | 3,852,000 | 5,952,000 | 7,956,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,752,000 | 45,752,000 | 47,851,000 | 48,855,000 |
| Total capital | 50,513,000 | 51,677,000 | 53,997,000 | 55,204,000 |
| Risk-weighted assets | 459,779,000 | 472,866,000 | 490,854,000 | 507,011,000 |