Call reports 2007
GEORGIA COMMERCE BANK — 2007
What GEORGIA COMMERCE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 184,019,000 | 191,690,000 | 201,509,000 | 228,454,000 |
| Total loans | 154,414,000 | 156,096,000 | 177,139,000 | 205,504,000 |
| Allowance for loan losses | 1,556,000 | 1,606,000 | 2,000,000 | 2,304,000 |
| Securities available for sale | 7,985,000 | 7,739,000 | 7,685,000 | 7,622,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,655,000 | 143,542,000 | 154,765,000 | 180,894,000 |
| Interest-bearing deposits | 113,897,000 | 123,886,000 | 127,138,000 | 158,412,000 |
| Noninterest-bearing deposits | 24,758,000 | 19,656,000 | 27,627,000 | 22,482,000 |
| Equity capital | 24,426,000 | 25,364,000 | 26,017,000 | 26,765,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,643,000 | 7,717,000 | 11,616,000 | 15,823,000 |
| Interest expense | 1,152,000 | 2,465,000 | 3,761,000 | 5,318,000 |
| Net interest income | 2,491,000 | 5,252,000 | 7,855,000 | 10,505,000 |
| Noninterest income | 78,000 | 192,000 | 252,000 | 326,000 |
| Noninterest expense | 1,093,000 | 2,346,000 | 3,455,000 | 4,826,000 |
| Provision for loan losses | 88,000 | 138,000 | 788,000 | 1,092,000 |
| Pretax income | 1,388,000 | 2,960,000 | 3,864,000 | 4,913,000 |
| Income tax | 544,000 | 1,140,000 | 1,487,000 | 1,844,000 |
| Net income | 844,000 | 1,820,000 | 2,377,000 | 3,069,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,460,000 | 25,466,000 | 26,051,000 | 26,754,000 |
| Total capital | 26,016,000 | 27,072,000 | 28,051,000 | 29,058,000 |
| Risk-weighted assets | 182,246,000 | 183,830,000 | 210,983,000 | 242,424,000 |
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