Call reports 2006
GEORGIAN BANK — 2006
What GEORGIAN BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 1,244,847,000 | 1,360,835,000 | 1,470,992,000 | 1,619,353,000 |
| Total loans | 1,033,574,000 | 1,141,985,000 | 1,255,981,000 | 1,342,941,000 |
| Allowance for loan losses | 11,823,000 | 13,074,000 | 14,378,000 | 15,302,000 |
| Securities available for sale | 78,717,000 | 97,756,000 | 108,475,000 | 108,944,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,078,051,000 | 1,193,876,000 | 1,275,632,000 | 1,366,538,000 |
| Interest-bearing deposits | 1,048,076,000 | 1,122,270,000 | 1,213,551,000 | 1,289,366,000 |
| Noninterest-bearing deposits | 29,975,000 | 71,606,000 | 62,082,000 | 77,171,000 |
| Equity capital | 115,227,000 | 118,893,000 | 126,449,000 | 157,354,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 22,886,000 | 49,156,000 | 78,774,000 | 110,971,000 |
| Interest expense | 10,411,000 | 22,813,000 | 37,579,000 | 54,510,000 |
| Net interest income | 12,475,000 | 26,343,000 | 41,195,000 | 56,461,000 |
| Noninterest income | 187,000 | 434,000 | 646,000 | 883,000 |
| Noninterest expense | 5,553,000 | 11,619,000 | 18,139,000 | 25,189,000 |
| Provision for loan losses | 1,112,000 | 2,364,000 | 3,675,000 | 4,660,000 |
| Pretax income | 5,997,000 | 12,794,000 | 20,027,000 | 27,495,000 |
| Income tax | 2,360,000 | 5,045,000 | 7,862,000 | 10,838,000 |
| Net income | 3,637,000 | 7,749,000 | 12,165,000 | 16,657,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 115,644,000 | 119,705,000 | 126,677,000 | 157,240,000 |
| Total capital | 127,467,000 | 132,779,000 | 141,055,000 | 172,542,000 |
| Risk-weighted assets | 1,132,660,000 | 1,231,040,000 | 1,338,023,000 | 1,447,785,000 |