Call reports 2008
GEORGIA BANK & TRUST COMPANY OF AUGUSTA — 2008
What GEORGIA BANK & TRUST COMPANY OF AUGUSTA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 1,175,842,000 | 1,198,026,000 | 1,251,837,000 | 1,284,796,000 |
| Total loans | 839,012,000 | 866,498,000 | 892,105,000 | 894,762,000 |
| Allowance for loan losses | 11,573,000 | 12,892,000 | 11,995,000 | 13,127,000 |
| Securities available for sale | 251,235,000 | 247,052,000 | 238,900,000 | 297,298,000 |
| Securities held to maturity | 1,435,000 | 689,000 | 689,000 | 689,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 934,701,000 | 956,932,000 | 1,024,169,000 | 1,037,564,000 |
| Interest-bearing deposits | 828,985,000 | 847,278,000 | 920,262,000 | 932,548,000 |
| Noninterest-bearing deposits | 105,716,000 | 109,654,000 | 103,907,000 | 105,016,000 |
| Equity capital | 91,308,000 | 91,089,000 | 91,474,000 | 95,732,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 18,168,000 | 35,097,000 | 51,871,000 | 68,981,000 |
| Interest expense | 8,384,000 | 15,806,000 | 23,465,000 | 31,050,000 |
| Net interest income | 9,784,000 | 19,291,000 | 28,406,000 | 37,931,000 |
| Noninterest income | 3,907,000 | 8,282,000 | 12,655,000 | 16,729,000 |
| Noninterest expense | 8,168,000 | 16,533,000 | 25,059,000 | 33,568,000 |
| Provision for loan losses | 1,138,000 | 2,583,000 | 4,451,000 | 8,340,000 |
| Pretax income | 4,423,000 | 8,525,000 | 11,640,000 | 12,879,000 |
| Income tax | 1,519,000 | 2,873,000 | 3,869,000 | 4,145,000 |
| Net income | 2,904,000 | 5,652,000 | 7,771,000 | 8,734,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 90,343,000 | 93,122,000 | 95,286,000 | 95,546,000 |
| Total capital | 101,750,000 | 104,932,000 | 107,280,000 | 107,821,000 |
| Risk-weighted assets | 912,361,000 | 943,725,000 | 986,219,000 | 981,143,000 |