Call reports 2004
GEORGIA COMMERCE BANK — 2004
What GEORGIA COMMERCE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 36,953,000 | 53,018,000 | 54,684,000 | 91,398,000 |
| Total loans | 20,248,000 | 30,374,000 | 42,669,000 | 52,641,000 |
| Allowance for loan losses | 202,000 | 303,000 | 426,000 | 526,000 |
| Securities available for sale | 6,067,000 | 7,071,000 | 6,697,000 | 6,472,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,445,000 | 37,498,000 | 39,106,000 | 75,664,000 |
| Interest-bearing deposits | 23,139,000 | 26,065,000 | 32,754,000 | 60,204,000 |
| Noninterest-bearing deposits | 3,306,000 | 11,433,000 | 6,352,000 | 15,460,000 |
| Equity capital | 10,472,000 | 10,240,000 | 10,296,000 | 10,426,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 266,000 | 686,000 | 1,310,000 | 2,169,000 |
| Interest expense | 43,000 | 125,000 | 235,000 | 425,000 |
| Net interest income | 223,000 | 561,000 | 1,075,000 | 1,744,000 |
| Noninterest income | 37,000 | 82,000 | 109,000 | 160,000 |
| Noninterest expense | 421,000 | 846,000 | 1,277,000 | 1,747,000 |
| Provision for loan losses | 100,000 | 201,000 | 324,000 | 424,000 |
| Pretax income | -261,000 | -404,000 | -414,000 | -264,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -261,000 | -404,000 | -414,000 | -264,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,430,000 | 10,287,000 | 10,277,000 | 10,427,000 |
| Total capital | 10,632,000 | 10,590,000 | 10,703,000 | 10,953,000 |
| Risk-weighted assets | 26,345,000 | 37,016,000 | 47,963,000 | 67,856,000 |
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