Call reports 2004
CB&T BANK OF MIDDLE GEORGIA — 2004
What CB&T BANK OF MIDDLE GEORGIA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 357,840,000 | 365,083,000 | 375,344,000 | 389,548,000 |
| Total loans | 305,351,000 | 314,543,000 | 323,045,000 | 337,413,000 |
| Allowance for loan losses | 3,851,000 | 3,967,000 | 4,090,000 | 4,263,000 |
| Securities available for sale | 37,012,000 | 35,614,000 | 37,482,000 | 38,100,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 292,095,000 | 323,871,000 | 330,223,000 | 342,529,000 |
| Interest-bearing deposits | 266,136,000 | 295,105,000 | 301,402,000 | 307,537,000 |
| Noninterest-bearing deposits | 25,959,000 | 28,766,000 | 28,821,000 | 34,992,000 |
| Equity capital | 27,960,000 | 28,402,000 | 29,794,000 | 30,863,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 5,239,000 | 10,653,000 | 16,293,000 | 22,028,000 |
| Interest expense | 1,195,000 | 2,503,000 | 3,895,000 | 5,477,000 |
| Net interest income | 4,044,000 | 8,150,000 | 12,398,000 | 16,551,000 |
| Noninterest income | 744,000 | 1,482,000 | 2,181,000 | 2,868,000 |
| Noninterest expense | 1,659,000 | 3,344,000 | 5,129,000 | 6,645,000 |
| Provision for loan losses | 900,000 | 1,155,000 | 1,285,000 | 1,555,000 |
| Pretax income | 2,229,000 | 5,133,000 | 8,165,000 | 11,219,000 |
| Income tax | 830,000 | 1,923,000 | 3,065,000 | 4,215,000 |
| Net income | 1,399,000 | 3,210,000 | 5,100,000 | 7,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,753,000 | 28,954,000 | 29,744,000 | 31,020,000 |
| Total capital | 31,604,000 | 32,921,000 | 33,831,000 | 35,283,000 |
| Risk-weighted assets | 309,573,000 | 320,817,000 | 326,972,000 | 342,610,000 |