Call reports 2011
GEORGIA COMMERCE BANK — 2011
What GEORGIA COMMERCE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 421,414,000 | 419,463,000 | 613,755,000 | 628,176,000 |
| Total loans | 294,703,000 | 304,248,000 | 414,753,000 | 421,144,000 |
| Allowance for loan losses | 5,632,000 | 5,301,000 | 7,241,000 | 7,362,000 |
| Securities available for sale | 74,536,000 | 73,361,000 | 86,859,000 | 91,667,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 352,468,000 | 348,693,000 | 528,147,000 | 552,392,000 |
| Interest-bearing deposits | 298,770,000 | 271,154,000 | 451,704,000 | 444,007,000 |
| Noninterest-bearing deposits | 53,698,000 | 77,539,000 | 76,443,000 | 108,385,000 |
| Equity capital | 50,690,000 | 52,095,000 | 54,232,000 | 54,472,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,478,000 | 9,388,000 | 15,519,000 | 24,097,000 |
| Interest expense | 1,034,000 | 2,025,000 | 3,168,000 | 4,600,000 |
| Net interest income | 3,444,000 | 7,363,000 | 12,351,000 | 19,497,000 |
| Noninterest income | 182,000 | 479,000 | 5,520,000 | 6,023,000 |
| Noninterest expense | 2,470,000 | 5,186,000 | 9,794,000 | 15,555,000 |
| Provision for loan losses | 619,000 | 1,247,000 | 3,337,000 | 4,478,000 |
| Pretax income | 510,000 | 1,404,000 | 5,322,000 | 6,065,000 |
| Income tax | 192,000 | 533,000 | 2,033,000 | 2,301,000 |
| Net income | 318,000 | 871,000 | 3,289,000 | 3,764,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,558,000 | 51,131,000 | 53,571,000 | 54,067,000 |
| Total capital | 54,595,000 | 55,243,000 | 58,348,000 | 59,232,000 |
| Risk-weighted assets | 321,318,000 | 327,795,000 | 379,697,000 | 410,622,000 |