Call reports 2005
GEORGIAN BANK — 2005
What GEORGIAN BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 859,615,000 | 954,505,000 | 1,065,115,000 | 1,153,552,000 |
| Total loans | 714,219,000 | 786,071,000 | 833,569,000 | 941,108,000 |
| Allowance for loan losses | 8,183,000 | 9,014,000 | 9,624,000 | 10,765,000 |
| Securities available for sale | 53,706,000 | 54,177,000 | 65,817,000 | 64,563,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 744,441,000 | 850,303,000 | 933,012,000 | 1,019,678,000 |
| Interest-bearing deposits | 712,172,000 | 805,179,000 | 877,916,000 | 987,528,000 |
| Noninterest-bearing deposits | 32,269,000 | 45,124,000 | 55,097,000 | 32,150,000 |
| Equity capital | 71,577,000 | 82,599,000 | 102,308,000 | 104,379,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 11,699,000 | 26,501,000 | 43,105,000 | 63,170,000 |
| Interest expense | 4,888,000 | 11,005,000 | 18,781,000 | 27,830,000 |
| Net interest income | 6,811,000 | 15,496,000 | 24,324,000 | 35,340,000 |
| Noninterest income | 119,000 | 294,000 | 448,000 | 602,000 |
| Noninterest expense | 3,245,000 | 7,029,000 | 10,892,000 | 16,074,000 |
| Provision for loan losses | 1,143,000 | 1,974,000 | 2,589,000 | 4,090,000 |
| Pretax income | 2,542,000 | 6,787,000 | 11,291,000 | 15,778,000 |
| Income tax | 964,000 | 2,589,000 | 4,309,000 | 6,007,000 |
| Net income | 1,578,000 | 4,198,000 | 6,982,000 | 9,771,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,316,000 | 81,936,000 | 101,720,000 | 104,383,000 |
| Total capital | 79,499,000 | 90,950,000 | 111,344,000 | 115,148,000 |
| Risk-weighted assets | 784,430,000 | 872,600,000 | 936,899,000 | 1,040,133,000 |