Call reports 2009
GEORGIA BANK & TRUST COMPANY OF AUGUSTA — 2009
What GEORGIA BANK & TRUST COMPANY OF AUGUSTA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 1,338,392,000 | 1,305,259,000 | 1,308,490,000 | 1,328,351,000 |
| Total loans | 879,838,000 | 852,845,000 | 853,356,000 | 826,422,000 |
| Allowance for loan losses | 13,488,000 | 14,175,000 | 14,820,000 | 20,182,000 |
| Securities available for sale | 298,268,000 | 274,921,000 | 311,449,000 | 300,210,000 |
| Securities held to maturity | 689,000 | 490,000 | 490,000 | 490,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,103,004,000 | 1,057,668,000 | 1,115,074,000 | 1,141,285,000 |
| Interest-bearing deposits | 992,952,000 | 949,911,000 | 1,007,672,000 | 1,035,698,000 |
| Noninterest-bearing deposits | 110,052,000 | 107,757,000 | 107,402,000 | 105,587,000 |
| Equity capital | 96,876,000 | 107,921,000 | 110,472,000 | 98,796,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 16,204,000 | 32,195,000 | 47,811,000 | 63,265,000 |
| Interest expense | 6,840,000 | 13,029,000 | 18,908,000 | 24,775,000 |
| Net interest income | 9,364,000 | 19,166,000 | 28,903,000 | 38,490,000 |
| Noninterest income | 4,513,000 | 9,310,000 | 13,823,000 | 12,598,000 |
| Noninterest expense | 8,864,000 | 18,478,000 | 27,659,000 | 36,754,000 |
| Provision for loan losses | 4,651,000 | 9,599,000 | 14,295,000 | 29,930,000 |
| Pretax income | 219,000 | 1,117,000 | 1,515,000 | -14,004,000 |
| Income tax | 55,000 | 183,000 | -113,000 | -6,300,000 |
| Net income | 164,000 | 934,000 | 1,628,000 | -7,704,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 95,742,000 | 108,547,000 | 109,276,000 | 99,984,000 |
| Total capital | 107,989,000 | 120,463,000 | 121,138,000 | 111,465,000 |
| Risk-weighted assets | 978,391,000 | 951,059,000 | 945,967,000 | 909,778,000 |