Call reports 2010
GEORGIA BANK & TRUST COMPANY OF AUGUSTA — 2010
What GEORGIA BANK & TRUST COMPANY OF AUGUSTA reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 1,325,764,000 | 1,404,460,000 | 1,477,748,000 | 1,431,212,000 |
| Total loans | 812,904,000 | 811,069,000 | 801,395,000 | 768,814,000 |
| Allowance for loan losses | 21,270,000 | 21,854,000 | 23,435,000 | 24,182,000 |
| Securities available for sale | 358,791,000 | 431,956,000 | 512,472,000 | 549,565,000 |
| Securities held to maturity | 310,000 | 310,000 | 310,000 | 310,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,142,304,000 | 1,218,871,000 | 1,290,529,000 | 1,258,378,000 |
| Interest-bearing deposits | 1,036,428,000 | 1,109,686,000 | 1,178,115,000 | 1,150,211,000 |
| Noninterest-bearing deposits | 105,876,000 | 109,185,000 | 112,414,000 | 108,167,000 |
| Equity capital | 102,581,000 | 106,684,000 | 109,098,000 | 105,098,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 14,893,000 | 30,428,000 | 46,264,000 | 61,778,000 |
| Interest expense | 5,477,000 | 10,828,000 | 16,068,000 | 20,642,000 |
| Net interest income | 9,416,000 | 19,600,000 | 30,196,000 | 41,136,000 |
| Noninterest income | 4,071,000 | 8,703,000 | 13,792,000 | 18,165,000 |
| Noninterest expense | 8,712,000 | 18,014,000 | 27,462,000 | 36,818,000 |
| Provision for loan losses | 3,052,000 | 6,565,000 | 10,893,000 | 14,461,000 |
| Pretax income | 1,736,000 | 3,886,000 | 6,476,000 | 9,199,000 |
| Income tax | 510,000 | 1,061,000 | 1,799,000 | 2,374,000 |
| Net income | 1,226,000 | 2,825,000 | 4,677,000 | 6,825,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 101,101,000 | 102,885,000 | 104,775,000 | 106,962,000 |
| Total capital | 112,395,000 | 114,058,000 | 116,278,000 | 118,175,000 |
| Risk-weighted assets | 893,563,000 | 883,180,000 | 908,301,000 | 884,070,000 |