Call reports 2016
GEORGIA BANK & TRUST COMPANY OF AUGUSTA — 2016
What GEORGIA BANK & TRUST COMPANY OF AUGUSTA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,872,059,000 | 1,896,507,000 | 1,870,559,000 | 1,837,265,000 |
| Total loans | 1,048,524,000 | 1,040,784,000 | 1,048,901,000 | 1,095,782,000 |
| Allowance for loan losses | 21,548,000 | 21,401,000 | 21,368,000 | 20,073,000 |
| Securities available for sale | 662,265,000 | 696,256,000 | 658,445,000 | 585,726,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,576,922,000 | 1,593,414,000 | 1,566,207,000 | 1,538,760,000 |
| Interest-bearing deposits | 1,314,097,000 | 1,340,907,000 | 1,296,172,000 | 1,261,278,000 |
| Noninterest-bearing deposits | 262,825,000 | 252,507,000 | 270,035,000 | 277,482,000 |
| Equity capital | 187,135,000 | 193,805,000 | 194,754,000 | 188,169,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 15,903,000 | 31,760,000 | 47,558,000 | 63,274,000 |
| Interest expense | 1,827,000 | 3,658,000 | 5,447,000 | 7,185,000 |
| Net interest income | 14,076,000 | 28,102,000 | 42,111,000 | 56,089,000 |
| Noninterest income | 4,874,000 | 10,610,000 | 16,019,000 | 20,946,000 |
| Noninterest expense | 11,568,000 | 23,338,000 | 34,896,000 | 45,863,000 |
| Provision for loan losses | 428,000 | 468,000 | 561,000 | 867,000 |
| Pretax income | 7,190,000 | 15,275,000 | 23,086,000 | 30,738,000 |
| Income tax | 2,319,000 | 4,984,000 | 7,445,000 | 10,023,000 |
| Net income | 4,871,000 | 10,291,000 | 15,641,000 | 20,715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 182,155,000 | 185,343,000 | 188,457,000 | 191,791,000 |
| Total capital | 198,149,000 | 201,639,000 | 204,692,000 | 208,108,000 |
| Risk-weighted assets | 1,273,956,000 | 1,298,582,000 | 1,293,691,000 | 1,301,573,000 |