Call reports 2009
GEORGIA COMMERCE BANK — 2009
What GEORGIA COMMERCE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 306,248,000 | 327,477,000 | 330,113,000 | 347,447,000 |
| Total loans | 263,904,000 | 280,322,000 | 285,374,000 | 289,771,000 |
| Allowance for loan losses | 3,236,000 | 3,645,000 | 3,963,000 | 4,131,000 |
| Securities available for sale | 9,735,000 | 8,550,000 | 22,102,000 | 20,533,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,786,000 | 190,764,000 | 197,511,000 | 214,613,000 |
| Interest-bearing deposits | 151,865,000 | 147,979,000 | 158,936,000 | 170,639,000 |
| Noninterest-bearing deposits | 34,921,000 | 42,785,000 | 38,575,000 | 43,974,000 |
| Equity capital | 35,260,000 | 36,538,000 | 36,927,000 | 37,332,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,315,000 | 7,595,000 | 11,501,000 | 15,794,000 |
| Interest expense | 688,000 | 1,347,000 | 2,037,000 | 2,763,000 |
| Net interest income | 2,627,000 | 6,248,000 | 9,464,000 | 13,031,000 |
| Noninterest income | -89,000 | 219,000 | 548,000 | 666,000 |
| Noninterest expense | 1,571,000 | 3,526,000 | 4,993,000 | 7,072,000 |
| Provision for loan losses | 536,000 | 1,927,000 | 3,617,000 | 4,260,000 |
| Pretax income | 431,000 | 1,015,000 | 1,401,000 | 2,364,000 |
| Income tax | 163,000 | 379,000 | 516,000 | 883,000 |
| Net income | 268,000 | 636,000 | 885,000 | 1,481,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,191,000 | 36,585,000 | 36,861,000 | 37,481,000 |
| Total capital | 38,427,000 | 40,230,000 | 40,578,000 | 41,294,000 |
| Risk-weighted assets | 291,476,000 | 305,651,000 | 297,069,000 | 304,459,000 |