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Profile - Georgia-Carolina Bancshs. (OTC BB:GECR.OB
(was Nasdaq:GECR))

As of 31-Aug-2001
Enter symbol:
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More Info: Quote | Chart | News | Profile
Recent Events
July 31Price hit new 52-week high ($14.00)
Location
2805 Wrightsboro Road
Augusta, GA 30824
Phone: (706) 736-2100
Employees (last reported count): 102
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: Regional Banks
Related Links
 ·Search Yahoo! for related links...
Ownership
·Insider and 5%+ Owners: 36%
·Over the last 6 months:
 · one insider buy; 0  shares
·Institutional: 0% (0% of float)
(0 institutions)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Georgia-Carolina Bancshares, Inc. is a one-bank holding company for the First Bank of Georgia (the Bank), a state-chartered commercial bank that operates two offices in Thomson, Georgia and two offices in Augusta, Georgia. The Bank offers a full range of deposit and lending services and is a member of an electronic banking network that enables its customers to use the automated teller machines of other financial institutions. In addition, the Bank offers commercial and business credit services, as well as various consumer credit services, including home mortgage loans, automobile loans, lines of credit, home equity loans, home improvement loans and credit card accounts. In September 1999, the Bank established a mortgage division that operates as First Bank Mortgage (the Mortgage Division). This division originates mortgage loans and offers a variety of other mortgage products.
More from Market Guide: Expanded Business Description

Financial Summary
GECR is a one-bank holding company for the First Bank of Georgia, a state-chartered commercial bank. For the six months ended 6/30/01, total interest income increased 84% to $5.6 million. Net interest income after loan loss provision rose 38% to $2.1 million. Net income totaled $556 thousand vs. a loss of $119 thousand. Net interest income reflects higher interest-earning, partially offset by a higher loss provision. Net income reflects an increased gain on the sale of mortgage loans.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Pay

Samuel Fowler, Jr., 54
Chairman
--  
Patrick Blanchard, 57
Presdient, CEO of the Company and the Bank
$146K
J. Harold Ward, Jr., 58
CFO, Sr. VP
--  
Remer Brinson, III, 40
Pres of the Bank
145K
Dollar amounts are as of 31-Dec-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- OTC BB:GECR.OBAs of 31-Aug-2001
Price and Volume
52-Week Low
on 20-Sep-2000
$8.75 
Recent Price$11.10 
52-Week High
on 31-July-2001
$14.00 
Beta-0.23 
Daily Volume (3-month avg)318 
Daily Volume (10-day avg)0 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y]
52-Week Change-11.2%
52-Week Change
relative to S&P500
+19.1%
Share-Related Items
Market Capitalization$10.4M
Shares Outstanding939.0K
Float600.0K
Dividends & Splits
Annual Dividendnone 
Last Splitnone 
Per-Share Data
Book Value (mrq)$12.81 
Earnings (ttm)$0.82 
Earnings (mrq)$0.51 
Sales (ttm)$10.05 
Cash (mrq)$4.85 
Valuation Ratios
Price/Book (mrq)0.87 
Price/Earnings (ttm)13.52 
Price/Sales (ttm)1.10 
Income Statements
Sales (ttm)$9.77M
EBITDAN/A 
Income available to common (ttm)$802.0K
Profitability
Profit Margin (ttm)8.2%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)0.62%
Return on Equity (ttm)7.14%
Financial Strength
Current RatioN/A 
Long-Term Debt/Equity (mrq)0 
Total Cash (mrq)$4.54M
Short Interest
Shares ShortN/A 
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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