Call reports 2006
CB&T BANK OF MIDDLE GEORGIA — 2006
What CB&T BANK OF MIDDLE GEORGIA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 446,443,000 | 460,084,000 | 462,748,000 | 480,359,000 |
| Total loans | 389,238,000 | 389,928,000 | 396,767,000 | 407,688,000 |
| Allowance for loan losses | 4,944,000 | 5,019,000 | 5,054,000 | 5,073,000 |
| Securities available for sale | 41,663,000 | 43,917,000 | 45,807,000 | 49,691,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 391,099,000 | 413,472,000 | 407,254,000 | 405,790,000 |
| Interest-bearing deposits | 353,671,000 | 380,336,000 | 376,302,000 | 373,894,000 |
| Noninterest-bearing deposits | 37,428,000 | 33,136,000 | 30,952,000 | 31,896,000 |
| Equity capital | 37,541,000 | 38,203,000 | 39,718,000 | 40,567,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 7,870,000 | 16,250,000 | 24,995,000 | 34,068,000 |
| Interest expense | 3,011,000 | 6,318,000 | 9,893,000 | 13,884,000 |
| Net interest income | 4,859,000 | 9,932,000 | 15,102,000 | 20,184,000 |
| Noninterest income | 698,000 | 1,436,000 | 2,007,000 | 2,655,000 |
| Noninterest expense | 1,575,000 | 3,286,000 | 4,794,000 | 6,478,000 |
| Provision for loan losses | 143,000 | 239,000 | 330,000 | 376,000 |
| Pretax income | 3,839,000 | 7,843,000 | 11,985,000 | 15,985,000 |
| Income tax | 1,454,000 | 2,947,000 | 4,490,000 | 6,036,000 |
| Net income | 2,385,000 | 4,896,000 | 7,495,000 | 9,949,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,286,000 | 39,142,000 | 40,087,000 | 40,891,000 |
| Total capital | 43,230,000 | 44,161,000 | 45,141,000 | 45,964,000 |
| Risk-weighted assets | 398,002,000 | 405,590,000 | 411,768,000 | 433,488,000 |