Call reports 2013
GEORGIA BANK & TRUST COMPANY OF AUGUSTA — 2013
What GEORGIA BANK & TRUST COMPANY OF AUGUSTA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,714,254,000 | 1,690,673,000 | 1,688,867,000 | 1,687,075,000 |
| Total loans | 905,357,000 | 903,428,000 | 900,586,000 | 916,351,000 |
| Allowance for loan losses | 28,931,000 | 27,254,000 | 26,558,000 | 26,409,000 |
| Securities available for sale | 664,257,000 | 678,569,000 | 655,525,000 | 649,979,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,470,855,000 | 1,446,970,000 | 1,446,839,000 | 1,459,752,000 |
| Interest-bearing deposits | 1,295,422,000 | 1,265,887,000 | 1,265,159,000 | 1,267,516,000 |
| Noninterest-bearing deposits | 175,433,000 | 181,083,000 | 181,680,000 | 192,236,000 |
| Equity capital | 155,369,000 | 146,908,000 | 147,245,000 | 146,735,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 15,687,000 | 31,349,000 | 46,905,000 | 62,312,000 |
| Interest expense | 2,293,000 | 4,444,000 | 6,560,000 | 8,679,000 |
| Net interest income | 13,394,000 | 26,905,000 | 40,345,000 | 53,633,000 |
| Noninterest income | 4,386,000 | 9,452,000 | 14,466,000 | 18,750,000 |
| Noninterest expense | 10,270,000 | 20,383,000 | 30,569,000 | 39,621,000 |
| Provision for loan losses | 1,745,000 | 4,159,000 | 6,046,000 | 7,438,000 |
| Pretax income | 5,721,000 | 11,786,000 | 18,004,000 | 24,429,000 |
| Income tax | 1,808,000 | 3,723,000 | 5,598,000 | 7,507,000 |
| Net income | 3,913,000 | 8,063,000 | 12,406,000 | 16,922,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 146,328,000 | 149,441,000 | 152,748,000 | 156,227,000 |
| Total capital | 160,349,000 | 163,839,000 | 167,047,000 | 170,599,000 |
| Risk-weighted assets | 1,106,792,000 | 1,138,994,000 | 1,131,690,000 | 1,137,722,000 |