Call reports 2006
GEORGIA COMMERCE BANK — 2006
What GEORGIA COMMERCE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 167,976,000 | 193,427,000 | 165,582,000 | 173,753,000 |
| Total loans | 110,570,000 | 114,414,000 | 136,294,000 | 141,758,000 |
| Allowance for loan losses | 1,138,000 | 1,200,000 | 1,363,000 | 1,468,000 |
| Securities available for sale | 5,839,000 | 7,264,000 | 8,201,000 | 8,108,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,379,000 | 164,203,000 | 122,252,000 | 129,628,000 |
| Interest-bearing deposits | 121,540,000 | 146,475,000 | 103,543,000 | 109,129,000 |
| Noninterest-bearing deposits | 17,839,000 | 17,728,000 | 18,709,000 | 20,499,000 |
| Equity capital | 12,902,000 | 13,697,000 | 22,590,000 | 23,547,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,816,000 | 5,982,000 | 9,198,000 | 12,720,000 |
| Interest expense | 987,000 | 1,970,000 | 2,922,000 | 3,988,000 |
| Net interest income | 1,829,000 | 4,012,000 | 6,276,000 | 8,732,000 |
| Noninterest income | 66,000 | 109,000 | 240,000 | 389,000 |
| Noninterest expense | 717,000 | 1,505,000 | 2,423,000 | 3,553,000 |
| Provision for loan losses | 174,000 | 236,000 | 399,000 | 504,000 |
| Pretax income | 1,004,000 | 2,380,000 | 3,694,000 | 5,064,000 |
| Income tax | 392,000 | 932,000 | 1,447,000 | 1,905,000 |
| Net income | 612,000 | 1,448,000 | 2,247,000 | 3,159,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,996,000 | 13,555,000 | 22,658,000 | 23,590,000 |
| Total capital | 14,134,000 | 14,755,000 | 24,021,000 | 25,058,000 |
| Risk-weighted assets | 125,339,000 | 126,026,000 | 153,910,000 | 168,129,000 |
Machine access — free, no API key
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