Call reports 2007
GEORGIAN BANK — 2007
What GEORGIAN BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,738,536,000 | 1,861,345,000 | 2,025,501,000 | 2,039,632,000 |
| Total loans | 1,459,262,000 | 1,608,379,000 | 1,672,319,000 | 1,717,366,000 |
| Allowance for loan losses | 16,416,000 | 17,532,000 | 18,157,000 | 17,229,000 |
| Securities available for sale | 109,331,000 | 108,466,000 | 110,302,000 | 106,625,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,451,966,000 | 1,539,329,000 | 1,673,159,000 | 1,696,790,000 |
| Interest-bearing deposits | 1,368,903,000 | 1,449,128,000 | 1,582,655,000 | 1,604,034,000 |
| Noninterest-bearing deposits | 83,063,000 | 90,201,000 | 90,504,000 | 92,756,000 |
| Equity capital | 168,218,000 | 172,879,000 | 180,142,000 | 184,653,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 34,267,000 | 71,638,000 | 111,376,000 | 149,163,000 |
| Interest expense | 18,004,000 | 37,443,000 | 58,955,000 | 79,535,000 |
| Net interest income | 16,263,000 | 34,195,000 | 52,421,000 | 69,628,000 |
| Noninterest income | 307,000 | 635,000 | 984,000 | 1,414,000 |
| Noninterest expense | 7,559,000 | 15,435,000 | 23,349,000 | 31,555,000 |
| Provision for loan losses | 1,125,000 | 2,445,000 | 3,570,000 | 5,695,000 |
| Pretax income | 7,886,000 | 16,950,000 | 26,486,000 | 34,074,000 |
| Income tax | 3,032,000 | 6,509,000 | 10,174,000 | 13,096,000 |
| Net income | 4,854,000 | 10,441,000 | 16,312,000 | 20,978,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 167,892,000 | 173,094,000 | 179,265,000 | 183,257,000 |
| Total capital | 184,308,000 | 190,626,000 | 197,422,000 | 200,486,000 |
| Risk-weighted assets | 1,563,908,000 | 1,694,858,000 | 1,772,276,000 | 1,826,904,000 |