Call reports 2014
GEORGIA BANK & TRUST COMPANY OF AUGUSTA — 2014
What GEORGIA BANK & TRUST COMPANY OF AUGUSTA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,744,841,000 | 1,777,705,000 | 1,749,867,000 | 1,729,060,000 |
| Total loans | 940,279,000 | 984,730,000 | 978,639,000 | 984,721,000 |
| Allowance for loan losses | 26,300,000 | 26,883,000 | 26,735,000 | 25,507,000 |
| Securities available for sale | 654,738,000 | 647,600,000 | 660,983,000 | 644,466,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,508,365,000 | 1,535,260,000 | 1,503,509,000 | 1,468,532,000 |
| Interest-bearing deposits | 1,306,510,000 | 1,335,110,000 | 1,299,602,000 | 1,267,240,000 |
| Noninterest-bearing deposits | 201,855,000 | 200,150,000 | 203,907,000 | 201,292,000 |
| Equity capital | 154,551,000 | 161,761,000 | 164,500,000 | 168,793,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 14,830,000 | 30,207,000 | 45,488,000 | 61,141,000 |
| Interest expense | 2,053,000 | 4,108,000 | 6,118,000 | 8,133,000 |
| Net interest income | 12,777,000 | 26,099,000 | 39,370,000 | 53,008,000 |
| Noninterest income | 3,876,000 | 8,249,000 | 12,974,000 | 17,785,000 |
| Noninterest expense | 10,085,000 | 20,557,000 | 31,237,000 | 42,753,000 |
| Provision for loan losses | 1,057,000 | 2,068,000 | 2,944,000 | 3,492,000 |
| Pretax income | 5,762,000 | 12,000,000 | 18,655,000 | 25,373,000 |
| Income tax | 1,791,000 | 3,779,000 | 5,859,000 | 7,969,000 |
| Net income | 3,971,000 | 8,221,000 | 12,796,000 | 17,404,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 159,011,000 | 162,075,000 | 165,464,000 | 167,385,000 |
| Total capital | 173,625,000 | 176,781,000 | 180,238,000 | 182,116,000 |
| Risk-weighted assets | 1,157,413,000 | 1,164,342,000 | 1,170,003,000 | 1,167,674,000 |