Call reports 2005
GEORGIA COMMERCE BANK — 2005
What GEORGIA COMMERCE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 92,556,000 | 129,738,000 | 122,229,000 | 172,414,000 |
| Total loans | 58,752,000 | 67,280,000 | 83,982,000 | 96,429,000 |
| Allowance for loan losses | 587,000 | 673,000 | 840,000 | 964,000 |
| Securities available for sale | 6,205,000 | 6,059,000 | 5,749,000 | 5,519,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,484,000 | 113,072,000 | 95,117,000 | 144,794,000 |
| Interest-bearing deposits | 65,015,000 | 97,447,000 | 85,497,000 | 128,705,000 |
| Noninterest-bearing deposits | 11,469,000 | 15,625,000 | 9,620,000 | 16,089,000 |
| Equity capital | 10,700,000 | 11,230,000 | 11,796,000 | 12,297,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,139,000 | 2,572,000 | 4,376,000 | 6,852,000 |
| Interest expense | 309,000 | 676,000 | 1,176,000 | 1,997,000 |
| Net interest income | 830,000 | 1,896,000 | 3,200,000 | 4,855,000 |
| Noninterest income | 61,000 | 111,000 | 183,000 | 246,000 |
| Noninterest expense | 498,000 | 1,033,000 | 1,655,000 | 2,435,000 |
| Provision for loan losses | 61,000 | 147,000 | 314,000 | 440,000 |
| Pretax income | 332,000 | 827,000 | 1,414,000 | 2,226,000 |
| Income tax | 0 | 0 | 0 | 268,000 |
| Net income | 332,000 | 827,000 | 1,414,000 | 1,958,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,759,000 | 11,254,000 | 11,751,000 | 12,384,000 |
| Total capital | 11,346,000 | 11,927,000 | 12,591,000 | 13,348,000 |
| Risk-weighted assets | 78,134,000 | 89,606,000 | 102,592,000 | 122,900,000 |
Machine access — free, no API key
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