Call reports 2015
GEORGIA BANK & TRUST COMPANY OF AUGUSTA — 2015
What GEORGIA BANK & TRUST COMPANY OF AUGUSTA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,799,238,000 | 1,791,441,000 | 1,812,972,000 | 1,836,550,000 |
| Total loans | 988,578,000 | 969,006,000 | 994,753,000 | 1,027,796,000 |
| Allowance for loan losses | 25,391,000 | 23,372,000 | 22,180,000 | 21,367,000 |
| Securities available for sale | 675,321,000 | 677,063,000 | 696,994,000 | 691,563,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,542,088,000 | 1,540,610,000 | 1,547,222,000 | 1,537,565,000 |
| Interest-bearing deposits | 1,321,452,000 | 1,307,074,000 | 1,305,203,000 | 1,300,078,000 |
| Noninterest-bearing deposits | 220,636,000 | 233,536,000 | 242,019,000 | 237,487,000 |
| Equity capital | 173,997,000 | 173,943,000 | 180,432,000 | 179,675,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 15,236,000 | 31,282,000 | 46,879,000 | 62,668,000 |
| Interest expense | 1,926,000 | 3,828,000 | 5,659,000 | 7,513,000 |
| Net interest income | 13,310,000 | 27,454,000 | 41,220,000 | 55,155,000 |
| Noninterest income | 4,712,000 | 9,660,000 | 15,105,000 | 19,770,000 |
| Noninterest expense | 10,986,000 | 23,099,000 | 34,524,000 | 45,549,000 |
| Provision for loan losses | 548,000 | -2,143,000 | -2,011,000 | -1,628,000 |
| Pretax income | 6,545,000 | 15,318,000 | 22,807,000 | 29,961,000 |
| Income tax | 2,124,000 | 4,992,000 | 7,403,000 | 9,689,000 |
| Net income | 4,421,000 | 10,326,000 | 15,404,000 | 20,272,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 170,019,000 | 174,140,000 | 177,185,000 | 179,517,000 |
| Total capital | 185,234,000 | 189,180,000 | 192,558,000 | 195,507,000 |
| Risk-weighted assets | 1,207,025,000 | 1,194,896,000 | 1,223,030,000 | 1,273,793,000 |