Call reports 2005
GEORGIA BANK & TRUST COMPANY OF AUGUSTA — 2005
What GEORGIA BANK & TRUST COMPANY OF AUGUSTA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 749,346,000 | 784,786,000 | 824,430,000 | 851,687,000 |
| Total loans | 523,976,000 | 552,286,000 | 561,903,000 | 601,235,000 |
| Allowance for loan losses | 8,303,000 | 8,678,000 | 9,094,000 | 9,125,000 |
| Securities available for sale | 162,005,000 | 161,633,000 | 180,528,000 | 187,180,000 |
| Securities held to maturity | 3,776,000 | 3,776,000 | 3,776,000 | 3,776,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 591,910,000 | 617,082,000 | 647,594,000 | 664,382,000 |
| Interest-bearing deposits | 503,649,000 | 528,346,000 | 552,717,000 | 566,571,000 |
| Noninterest-bearing deposits | 88,261,000 | 88,736,000 | 94,877,000 | 97,811,000 |
| Equity capital | 56,362,000 | 58,795,000 | 59,953,000 | 59,999,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 10,066,000 | 21,376,000 | 33,863,000 | 47,247,000 |
| Interest expense | 3,425,000 | 7,574,000 | 12,390,000 | 17,885,000 |
| Net interest income | 6,641,000 | 13,802,000 | 21,473,000 | 29,362,000 |
| Noninterest income | 2,704,000 | 5,933,000 | 9,260,000 | 12,441,000 |
| Noninterest expense | 5,740,000 | 11,906,000 | 18,307,000 | 24,873,000 |
| Provision for loan losses | 472,000 | 987,000 | 1,576,000 | 1,842,000 |
| Pretax income | 3,134,000 | 6,803,000 | 10,764,000 | 15,002,000 |
| Income tax | 1,048,000 | 2,271,000 | 3,591,000 | 4,955,000 |
| Net income | 2,086,000 | 4,532,000 | 7,173,000 | 10,047,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,149,000 | 59,095,000 | 60,237,000 | 62,112,000 |
| Total capital | 64,683,000 | 66,971,000 | 68,334,000 | 70,585,000 |
| Risk-weighted assets | 601,932,000 | 629,262,000 | 646,762,000 | 677,156,000 |