Call reports 2004
GEORGIAN BANK — 2004
What GEORGIAN BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 370,006,000 | 475,956,000 | 624,161,000 | 736,929,000 |
| Total loans | 329,278,000 | 421,289,000 | 546,202,000 | 618,453,000 |
| Allowance for loan losses | 4,097,000 | 5,239,000 | 6,256,000 | 7,076,000 |
| Securities available for sale | 7,053,000 | 33,029,000 | 6,441,000 | 74,156,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 311,719,000 | 414,690,000 | 547,913,000 | 648,387,000 |
| Interest-bearing deposits | 303,215,000 | 399,416,000 | 527,460,000 | 619,172,000 |
| Noninterest-bearing deposits | 8,504,000 | 15,274,000 | 20,453,000 | 29,215,000 |
| Equity capital | 56,974,000 | 56,994,000 | 58,106,000 | 63,838,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,524,000 | 9,993,000 | 17,541,000 | 27,465,000 |
| Interest expense | 1,317,000 | 3,212,000 | 5,874,000 | 9,858,000 |
| Net interest income | 3,207,000 | 6,781,000 | 11,667,000 | 17,607,000 |
| Noninterest income | 52,000 | 110,000 | 208,000 | 326,000 |
| Noninterest expense | 1,870,000 | 4,312,000 | 6,903,000 | 9,989,000 |
| Provision for loan losses | 1,398,000 | 2,540,000 | 3,558,000 | 4,389,000 |
| Pretax income | 234,000 | 282,000 | 2,102,000 | 4,243,000 |
| Income tax | 89,000 | 85,000 | 771,000 | 1,578,000 |
| Net income | 145,000 | 197,000 | 1,331,000 | 2,665,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,868,000 | 55,920,000 | 57,054,000 | 62,785,000 |
| Total capital | 59,965,000 | 61,159,000 | 63,310,000 | 69,861,000 |
| Risk-weighted assets | 380,334,000 | 473,204,000 | 621,484,000 | 683,196,000 |