Call reports 2008
CB&T BANK OF MIDDLE GEORGIA — 2008
What CB&T BANK OF MIDDLE GEORGIA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 617,460,000 | 635,620,000 | 638,156,000 | 622,958,000 |
| Total loans | 519,464,000 | 522,615,000 | 514,219,000 | 504,823,000 |
| Allowance for loan losses | 7,330,000 | 7,599,000 | 10,916,000 | 15,298,000 |
| Securities available for sale | 71,210,000 | 80,285,000 | 86,576,000 | 85,871,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 540,143,000 | 546,156,000 | 575,240,000 | 562,868,000 |
| Interest-bearing deposits | 523,006,000 | 527,574,000 | 560,343,000 | 546,396,000 |
| Noninterest-bearing deposits | 17,137,000 | 18,582,000 | 14,897,000 | 16,472,000 |
| Equity capital | 53,115,000 | 50,128,000 | 49,886,000 | 50,431,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 9,974,000 | 18,434,000 | 26,498,000 | 33,809,000 |
| Interest expense | 4,865,000 | 9,051,000 | 13,110,000 | 16,976,000 |
| Net interest income | 5,109,000 | 9,383,000 | 13,388,000 | 16,833,000 |
| Noninterest income | 746,000 | 1,621,000 | 1,524,000 | 478,000 |
| Noninterest expense | 2,571,000 | 5,300,000 | 8,079,000 | 11,091,000 |
| Provision for loan losses | 1,000 | 1,110,000 | 9,426,000 | 22,722,000 |
| Pretax income | 3,283,000 | 4,594,000 | -2,593,000 | -16,502,000 |
| Income tax | 1,217,000 | 1,669,000 | -1,175,000 | -6,604,000 |
| Net income | 2,066,000 | 2,925,000 | -1,418,000 | -9,898,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,729,000 | 49,889,000 | 49,548,000 | 48,075,000 |
| Total capital | 58,509,000 | 56,805,000 | 56,354,000 | 54,740,000 |
| Risk-weighted assets | 541,835,000 | 552,517,000 | 540,242,000 | 524,582,000 |