Call reports 2003
GEORGIA COMMERCE BANK — 2003
What GEORGIA COMMERCE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q3 | 2003Q4 |
|---|---|---|
| Total assets | 21,133,000 | 23,212,000 |
| Total loans | 4,179,000 | 10,248,000 |
| Allowance for loan losses | 42,000 | 102,000 |
| Securities available for sale | 1,505,000 | 4,663,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 10,129,000 | 12,509,000 |
| Interest-bearing deposits | 8,441,000 | 9,516,000 |
| Noninterest-bearing deposits | 1,688,000 | 2,993,000 |
| Equity capital | 10,999,000 | 10,695,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q3 | 2003Q4 |
|---|---|---|
| Interest income | 81,000 | 243,000 |
| Interest expense | 20,000 | 47,000 |
| Net interest income | 61,000 | 196,000 |
| Noninterest income | 7,000 | 12,000 |
| Noninterest expense | 996,000 | 1,390,000 |
| Provision for loan losses | 42,000 | 102,000 |
| Pretax income | -970,000 | -1,284,000 |
| Income tax | 0 | 0 |
| Net income | -970,000 | -1,284,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q3 | 2003Q4 |
|---|---|---|
| Tier 1 capital | 10,993,000 | 10,691,000 |
| Total capital | 11,035,000 | 10,793,000 |
| Risk-weighted assets | 9,874,000 | 15,956,000 |
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