Call reports 2005
CB&T BANK OF MIDDLE GEORGIA — 2005
What CB&T BANK OF MIDDLE GEORGIA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 401,559,000 | 417,024,000 | 443,741,000 | 440,777,000 |
| Total loans | 350,170,000 | 360,655,000 | 375,535,000 | 380,483,000 |
| Allowance for loan losses | 4,520,000 | 4,678,000 | 4,728,000 | 4,811,000 |
| Securities available for sale | 36,650,000 | 39,146,000 | 40,668,000 | 42,136,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 348,566,000 | 354,213,000 | 370,215,000 | 361,496,000 |
| Interest-bearing deposits | 319,432,000 | 324,365,000 | 332,623,000 | 327,890,000 |
| Noninterest-bearing deposits | 29,134,000 | 29,848,000 | 37,592,000 | 33,606,000 |
| Equity capital | 31,677,000 | 33,582,000 | 34,924,000 | 36,532,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,896,000 | 12,366,000 | 19,478,000 | 27,066,000 |
| Interest expense | 1,778,000 | 3,796,000 | 6,147,000 | 8,809,000 |
| Net interest income | 4,118,000 | 8,570,000 | 13,331,000 | 18,257,000 |
| Noninterest income | 638,000 | 1,335,000 | 2,016,000 | 2,675,000 |
| Noninterest expense | 1,488,000 | 3,030,000 | 4,605,000 | 6,284,000 |
| Provision for loan losses | 266,000 | 495,000 | 588,000 | 681,000 |
| Pretax income | 3,002,000 | 6,380,000 | 10,154,000 | 13,967,000 |
| Income tax | 1,128,000 | 2,414,000 | 3,836,000 | 5,279,000 |
| Net income | 1,874,000 | 3,966,000 | 6,318,000 | 8,688,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,084,000 | 33,640,000 | 35,225,000 | 36,843,000 |
| Total capital | 36,527,000 | 38,229,000 | 39,953,000 | 41,654,000 |
| Risk-weighted assets | 355,390,000 | 367,003,000 | 383,952,000 | 390,609,000 |