Call reports 2009
CB&T BANK OF MIDDLE GEORGIA — 2009
What CB&T BANK OF MIDDLE GEORGIA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 603,809,000 | 585,471,000 | 562,354,000 | 531,106,000 |
| Total loans | 478,736,000 | 406,532,000 | 379,767,000 | 358,510,000 |
| Allowance for loan losses | 19,867,000 | 14,965,000 | 14,055,000 | 13,839,000 |
| Securities available for sale | 80,259,000 | 77,339,000 | 80,811,000 | 79,395,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 544,005,000 | 528,239,000 | 511,620,000 | 464,805,000 |
| Interest-bearing deposits | 486,050,000 | 469,842,000 | 453,827,000 | 408,716,000 |
| Noninterest-bearing deposits | 57,955,000 | 58,397,000 | 57,793,000 | 56,089,000 |
| Equity capital | 46,411,000 | 45,606,000 | 40,269,000 | 59,588,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,512,000 | 12,768,000 | 18,777,000 | 24,451,000 |
| Interest expense | 2,946,000 | 5,602,000 | 7,849,000 | 9,513,000 |
| Net interest income | 3,566,000 | 7,166,000 | 10,928,000 | 14,938,000 |
| Noninterest income | -228,000 | -1,111,000 | -2,261,000 | -5,822,000 |
| Noninterest expense | 3,768,000 | 7,015,000 | 11,157,000 | 14,003,000 |
| Provision for loan losses | 8,752,000 | 9,064,000 | 16,899,000 | 22,205,000 |
| Pretax income | -9,182,000 | -10,024,000 | -19,174,000 | -26,877,000 |
| Income tax | -3,604,000 | -3,947,000 | -7,534,000 | -5,666,000 |
| Net income | -5,578,000 | -6,077,000 | -11,640,000 | -21,211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,351,000 | 43,862,000 | 38,290,000 | 57,446,000 |
| Total capital | 50,771,000 | 49,533,000 | 43,543,000 | 62,324,000 |
| Risk-weighted assets | 499,952,000 | 444,357,000 | 411,151,000 | 381,212,000 |