Call reports 2012
GEORGIA BANK & TRUST COMPANY OF AUGUSTA — 2012
What GEORGIA BANK & TRUST COMPANY OF AUGUSTA reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,644,353,000 | 1,660,715,000 | 1,668,446,000 | 1,657,955,000 |
| Total loans | 877,883,000 | 874,956,000 | 883,093,000 | 901,498,000 |
| Allowance for loan losses | 29,634,000 | 29,552,000 | 29,102,000 | 28,846,000 |
| Securities available for sale | 631,971,000 | 665,370,000 | 676,088,000 | 654,739,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,435,023,000 | 1,435,363,000 | 1,436,995,000 | 1,422,891,000 |
| Interest-bearing deposits | 1,279,654,000 | 1,280,968,000 | 1,275,345,000 | 1,263,205,000 |
| Noninterest-bearing deposits | 155,369,000 | 154,395,000 | 161,650,000 | 159,686,000 |
| Equity capital | 139,924,000 | 145,116,000 | 151,003,000 | 153,017,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 15,931,000 | 31,930,000 | 47,820,000 | 63,665,000 |
| Interest expense | 3,147,000 | 5,975,000 | 8,670,000 | 11,253,000 |
| Net interest income | 12,784,000 | 25,955,000 | 39,150,000 | 52,412,000 |
| Noninterest income | 4,229,000 | 8,472,000 | 14,351,000 | 19,397,000 |
| Noninterest expense | 10,235,000 | 20,759,000 | 31,457,000 | 42,187,000 |
| Provision for loan losses | 2,216,000 | 4,166,000 | 6,567,000 | 8,141,000 |
| Pretax income | 4,939,000 | 9,970,000 | 15,909,000 | 21,793,000 |
| Income tax | 1,519,000 | 3,055,000 | 4,981,000 | 6,830,000 |
| Net income | 3,420,000 | 6,915,000 | 10,928,000 | 14,963,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 135,090,000 | 137,357,000 | 140,492,000 | 143,449,000 |
| Total capital | 148,276,000 | 150,658,000 | 153,784,000 | 157,120,000 |
| Risk-weighted assets | 1,038,417,000 | 1,047,802,000 | 1,047,517,000 | 1,078,489,000 |