Call reports 2013
GEORGIA COMMERCE BANK — 2013
What GEORGIA COMMERCE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 729,391,000 | 784,699,000 | 734,662,000 | 936,670,000 |
| Total loans | 478,456,000 | 505,634,000 | 521,255,000 | 652,015,000 |
| Allowance for loan losses | 9,382,000 | 8,904,000 | 6,732,000 | 6,976,000 |
| Securities available for sale | 102,902,000 | 95,109,000 | 91,862,000 | 124,349,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 629,586,000 | 685,143,000 | 633,209,000 | 806,931,000 |
| Interest-bearing deposits | 475,675,000 | 550,427,000 | 499,335,000 | 647,790,000 |
| Noninterest-bearing deposits | 153,911,000 | 134,716,000 | 133,874,000 | 159,141,000 |
| Equity capital | 79,838,000 | 79,148,000 | 80,908,000 | 103,978,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 8,340,000 | 16,599,000 | 24,958,000 | 33,793,000 |
| Interest expense | 1,044,000 | 2,038,000 | 3,008,000 | 3,908,000 |
| Net interest income | 7,296,000 | 14,561,000 | 21,950,000 | 29,885,000 |
| Noninterest income | 769,000 | 1,884,000 | 2,959,000 | 991,000 |
| Noninterest expense | 5,831,000 | 11,482,000 | 17,259,000 | 24,503,000 |
| Provision for loan losses | 430,000 | 1,096,000 | 1,596,000 | 1,612,000 |
| Pretax income | 1,804,000 | 3,867,000 | 6,054,000 | 4,761,000 |
| Income tax | 671,000 | 1,438,000 | 2,252,000 | 1,771,000 |
| Net income | 1,133,000 | 2,429,000 | 3,802,000 | 2,990,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,037,000 | 80,299,000 | 81,688,000 | 96,975,000 |
| Total capital | 85,275,000 | 86,934,000 | 88,401,000 | 103,951,000 |
| Risk-weighted assets | 495,531,000 | 528,491,000 | 544,573,000 | 696,813,000 |