Call reports 2006
GEORGIA BANK & TRUST COMPANY OF AUGUSTA — 2006
What GEORGIA BANK & TRUST COMPANY OF AUGUSTA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 909,595,000 | 916,892,000 | 994,719,000 | 988,383,000 |
| Total loans | 626,977,000 | 658,719,000 | 683,402,000 | 722,959,000 |
| Allowance for loan losses | 9,470,000 | 9,304,000 | 9,637,000 | 9,432,000 |
| Securities available for sale | 192,813,000 | 183,670,000 | 208,810,000 | 188,447,000 |
| Securities held to maturity | 3,776,000 | 3,276,000 | 3,276,000 | 2,971,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 735,607,000 | 731,882,000 | 792,084,000 | 774,907,000 |
| Interest-bearing deposits | 619,970,000 | 625,265,000 | 688,424,000 | 665,852,000 |
| Noninterest-bearing deposits | 115,637,000 | 106,617,000 | 103,660,000 | 109,055,000 |
| Equity capital | 61,787,000 | 63,104,000 | 68,851,000 | 72,920,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 14,322,000 | 29,871,000 | 46,730,000 | 64,405,000 |
| Interest expense | 6,257,000 | 13,262,000 | 21,314,000 | 29,981,000 |
| Net interest income | 8,065,000 | 16,609,000 | 25,416,000 | 34,424,000 |
| Noninterest income | 3,253,000 | 6,865,000 | 10,378,000 | 13,880,000 |
| Noninterest expense | 7,104,000 | 14,030,000 | 20,975,000 | 27,648,000 |
| Provision for loan losses | 504,000 | 960,000 | 1,526,000 | 2,134,000 |
| Pretax income | 3,710,000 | 8,241,000 | 13,040,000 | 18,209,000 |
| Income tax | 1,159,000 | 2,728,000 | 4,250,000 | 6,096,000 |
| Net income | 2,551,000 | 5,513,000 | 8,790,000 | 12,113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,232,000 | 67,245,000 | 70,573,000 | 74,741,000 |
| Total capital | 73,183,000 | 76,473,000 | 80,210,000 | 84,173,000 |
| Risk-weighted assets | 715,556,000 | 738,169,000 | 777,385,000 | 791,230,000 |