Call reports 2011
GEORGIA BANK & TRUST COMPANY OF AUGUSTA — 2011
What GEORGIA BANK & TRUST COMPANY OF AUGUSTA reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 1,447,578,000 | 1,424,722,000 | 1,429,847,000 | 1,610,361,000 |
| Total loans | 765,579,000 | 775,731,000 | 750,513,000 | 875,056,000 |
| Allowance for loan losses | 24,108,000 | 25,348,000 | 26,156,000 | 29,046,000 |
| Securities available for sale | 516,986,000 | 532,635,000 | 554,516,000 | 603,759,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,274,160,000 | 1,248,184,000 | 1,244,368,000 | 1,419,704,000 |
| Interest-bearing deposits | 1,151,144,000 | 1,129,239,000 | 1,121,523,000 | 1,272,026,000 |
| Noninterest-bearing deposits | 123,016,000 | 118,945,000 | 122,845,000 | 147,678,000 |
| Equity capital | 106,496,000 | 114,595,000 | 120,992,000 | 137,609,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 14,973,000 | 30,269,000 | 45,454,000 | 67,640,000 |
| Interest expense | 4,085,000 | 7,925,000 | 11,326,000 | 16,495,000 |
| Net interest income | 10,888,000 | 22,344,000 | 34,128,000 | 51,145,000 |
| Noninterest income | 3,884,000 | 8,225,000 | 12,748,000 | 16,755,000 |
| Noninterest expense | 8,852,000 | 17,709,000 | 26,904,000 | 40,033,000 |
| Provision for loan losses | 2,844,000 | 5,757,000 | 8,952,000 | 12,584,000 |
| Pretax income | 3,164,000 | 7,162,000 | 11,276,000 | 16,302,000 |
| Income tax | 903,000 | 2,139,000 | 3,368,000 | 4,827,000 |
| Net income | 2,261,000 | 5,023,000 | 7,908,000 | 11,475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 109,248,000 | 112,037,000 | 114,696,000 | 132,452,000 |
| Total capital | 120,579,000 | 123,390,000 | 125,942,000 | 145,415,000 |
| Risk-weighted assets | 893,701,000 | 894,275,000 | 884,763,000 | 1,020,956,000 |