Call reports 2004
GEORGIA BANK & TRUST COMPANY OF AUGUSTA — 2004
What GEORGIA BANK & TRUST COMPANY OF AUGUSTA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 652,400,000 | 677,418,000 | 688,522,000 | 707,285,000 |
| Total loans | 458,242,000 | 461,780,000 | 472,263,000 | 494,170,000 |
| Allowance for loan losses | 7,402,000 | 7,302,000 | 7,586,000 | 7,930,000 |
| Securities available for sale | 146,951,000 | 152,861,000 | 163,387,000 | 148,593,000 |
| Securities held to maturity | 5,073,000 | 4,773,000 | 3,777,000 | 3,776,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 518,238,000 | 539,936,000 | 545,140,000 | 558,152,000 |
| Interest-bearing deposits | 481,750,000 | 456,981,000 | 463,015,000 | 475,986,000 |
| Noninterest-bearing deposits | 36,488,000 | 82,955,000 | 82,125,000 | 82,166,000 |
| Equity capital | 52,227,000 | 50,556,000 | 54,628,000 | 56,065,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 8,355,000 | 16,868,000 | 25,816,000 | 35,350,000 |
| Interest expense | 2,249,000 | 4,504,000 | 6,902,000 | 9,670,000 |
| Net interest income | 6,106,000 | 12,364,000 | 18,914,000 | 25,680,000 |
| Noninterest income | 2,784,000 | 6,098,000 | 9,430,000 | 12,557,000 |
| Noninterest expense | 5,603,000 | 11,706,000 | 17,642,000 | 23,734,000 |
| Provision for loan losses | 388,000 | 520,000 | 1,013,000 | 1,588,000 |
| Pretax income | 2,979,000 | 6,231,000 | 9,686,000 | 12,813,000 |
| Income tax | 971,000 | 2,048,000 | 3,188,000 | 4,105,000 |
| Net income | 2,008,000 | 4,183,000 | 6,498,000 | 8,708,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,364,000 | 52,038,000 | 53,854,000 | 55,564,000 |
| Total capital | 56,835,000 | 58,689,000 | 60,663,000 | 62,633,000 |
| Risk-weighted assets | 516,734,000 | 531,431,000 | 543,925,000 | 564,656,000 |