Call reports 2007
GEORGIA BANK & TRUST COMPANY OF AUGUSTA — 2007
What GEORGIA BANK & TRUST COMPANY OF AUGUSTA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,051,772,000 | 1,063,598,000 | 1,103,348,000 | 1,123,121,000 |
| Total loans | 731,715,000 | 756,384,000 | 784,485,000 | 804,097,000 |
| Allowance for loan losses | 9,745,000 | 10,427,000 | 10,907,000 | 10,695,000 |
| Securities available for sale | 199,328,000 | 219,304,000 | 229,062,000 | 241,999,000 |
| Securities held to maturity | 1,935,000 | 1,935,000 | 1,935,000 | 1,435,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 841,813,000 | 852,512,000 | 889,579,000 | 882,379,000 |
| Interest-bearing deposits | 725,686,000 | 743,681,000 | 784,088,000 | 786,577,000 |
| Noninterest-bearing deposits | 116,127,000 | 108,831,000 | 105,491,000 | 95,802,000 |
| Equity capital | 76,853,000 | 78,016,000 | 83,952,000 | 88,146,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 17,538,000 | 36,058,000 | 55,119,000 | 74,234,000 |
| Interest expense | 8,707,000 | 17,914,000 | 27,578,000 | 37,115,000 |
| Net interest income | 8,831,000 | 18,144,000 | 27,541,000 | 37,119,000 |
| Noninterest income | 3,578,000 | 7,369,000 | 12,412,000 | 16,424,000 |
| Noninterest expense | 7,244,000 | 14,360,000 | 22,116,000 | 30,219,000 |
| Provision for loan losses | 389,000 | 1,237,000 | 2,044,000 | 3,048,000 |
| Pretax income | 4,786,000 | 9,926,000 | 15,525,000 | 20,016,000 |
| Income tax | 1,699,000 | 3,540,000 | 5,527,000 | 6,987,000 |
| Net income | 3,087,000 | 6,386,000 | 9,998,000 | 13,029,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,908,000 | 81,288,000 | 84,982,000 | 88,095,000 |
| Total capital | 87,653,000 | 91,648,000 | 95,792,000 | 98,790,000 |
| Risk-weighted assets | 813,725,000 | 828,770,000 | 864,737,000 | 878,847,000 |