Call reports 2012
GEORGIA COMMERCE BANK — 2012
What GEORGIA COMMERCE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 627,770,000 | 660,535,000 | 644,170,000 | 727,754,000 |
| Total loans | 434,178,000 | 451,855,000 | 445,625,000 | 462,665,000 |
| Allowance for loan losses | 7,660,000 | 6,327,000 | 9,205,000 | 9,699,000 |
| Securities available for sale | 87,560,000 | 116,822,000 | 112,651,000 | 108,198,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 550,114,000 | 581,694,000 | 566,281,000 | 628,440,000 |
| Interest-bearing deposits | 460,418,000 | 474,546,000 | 469,287,000 | 506,562,000 |
| Noninterest-bearing deposits | 89,696,000 | 107,148,000 | 96,994,000 | 121,878,000 |
| Equity capital | 55,682,000 | 57,124,000 | 58,343,000 | 79,128,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 8,374,000 | 16,736,000 | 25,460,000 | 33,726,000 |
| Interest expense | 1,325,000 | 2,518,000 | 3,694,000 | 4,845,000 |
| Net interest income | 7,049,000 | 14,218,000 | 21,766,000 | 28,881,000 |
| Noninterest income | 677,000 | 1,637,000 | 8,781,000 | 15,216,000 |
| Noninterest expense | 5,063,000 | 10,822,000 | 21,281,000 | 30,038,000 |
| Provision for loan losses | 904,000 | 1,581,000 | 4,582,000 | 8,137,000 |
| Pretax income | 1,759,000 | 3,452,000 | 5,481,000 | 6,620,000 |
| Income tax | 668,000 | 1,316,000 | 2,044,000 | 2,494,000 |
| Net income | 1,091,000 | 2,136,000 | 3,437,000 | 4,126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,177,000 | 56,234,000 | 57,547,000 | 77,880,000 |
| Total capital | 60,655,000 | 61,809,000 | 63,160,000 | 83,857,000 |
| Risk-weighted assets | 435,946,000 | 445,155,000 | 443,276,000 | 474,453,000 |