# GEORGIA B&T CO OF AUGUSTA
AUGUSTA, GA · FDIC certificate 27574 · asset band $1-10B · latest filing 2016-12 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.84B | |
| Deposits | $1.54B | |
| Loans and leases | $1.10B | |
| Total equity | $188.2M | |
| Loans / deposits | 69.91% (p16 of band) | 88.78% |
| Liquid assets / assets | 36.05% (p85 of band) | |
| Uninsured deposits / deposits | 23.33% (p44 of band) | 25.90% |
| Brokered deposits | 5.67% | |
| Wholesale funding | 10.62% (p53 of band) | |
| FHLB advances / assets | 4.90% | |
| Tier 1 leverage | 10.29% (p62 of band) | 9.87% |
| Unrealized securities loss / equity | -3.27% (p14 of band) | -0.94% |
| AOCI / equity | -2.01% (p18 of band) | |
| ROA (annualized) | 1.11% (p67 of band) | 0.96% |
| Net interest margin | 3.21% (p31 of band) | 3.47% |
| Efficiency ratio | 59.52% (p34 of band) | |
| Noncurrent loans | 1.10% (p78 of band) | 0.57% |
| Net charge-offs (annualized) | 0.12% (p76 of band) | |
| Reserve coverage of noncurrent | 166.58% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 91.58% (p90 of band) | |
| Auto loans | $10.1M (0.92% of loans; DQ 0.08%, NCO 0.00%) | |
| Loans to nondepository financials | $6.4M (3% of equity) (p85 of band) | |
| Deposits YoY | 0.1% | |
| Employees | 317 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, construction >100% equity |  |
| 2011-06 | 2 |  | wholesale funding >15% |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 | reserve under noncurrent | brokered >10% |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | reserve under noncurrent |
| 2012-12 | 2 | reserve under noncurrent |  |
| 2013-03 | 1 |  | reserve under noncurrent |
| 2013-06 | 4 | charge-offs p90, reserve under noncurrent, uninsured deposits leaving |  |
| 2013-09 | 2 |  | reserve under noncurrent, uninsured deposits leaving |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 | brokered >10% | charge-offs p90 |
| 2014-06 | 3 | wholesale funding >15% |  |
| 2014-09 | 1 |  | construction >100% equity, wholesale funding >15% |
| 2014-12 | 2 | wholesale funding >15% |  |
| 2015-03 | 1 |  | wholesale funding >15% |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 | construction >100% equity | brokered >10% |
| 2016-03 | 0 |  | construction >100% equity |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27574 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/54.json (key "27574", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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