Call reports 2008
GEORGIAN BANK — 2008
What GEORGIAN BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 2,078,191,000 | 2,168,867,000 | 2,145,206,000 | 2,242,028,000 |
| Total loans | 1,778,436,000 | 1,856,468,000 | 1,873,416,000 | 1,889,082,000 |
| Allowance for loan losses | 18,249,000 | 19,378,000 | 20,061,000 | 22,017,000 |
| Securities available for sale | 107,982,000 | 106,036,000 | 149,220,000 | 148,027,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,734,706,000 | 1,813,381,000 | 1,762,148,000 | 1,921,602,000 |
| Interest-bearing deposits | 1,628,676,000 | 1,693,266,000 | 1,646,242,000 | 1,764,595,000 |
| Noninterest-bearing deposits | 106,030,000 | 120,115,000 | 115,906,000 | 157,007,000 |
| Equity capital | 189,004,000 | 190,188,000 | 192,910,000 | 189,967,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 32,999,000 | 62,579,000 | 91,868,000 | 118,623,000 |
| Interest expense | 17,419,000 | 33,530,000 | 50,267,000 | 66,560,000 |
| Net interest income | 15,580,000 | 29,049,000 | 41,601,000 | 52,063,000 |
| Noninterest income | 399,000 | 961,000 | 1,316,000 | -896,000 |
| Noninterest expense | 9,167,000 | 18,488,000 | 27,568,000 | 36,862,000 |
| Provision for loan losses | 1,125,000 | 2,250,000 | 4,125,000 | 8,725,000 |
| Pretax income | 5,687,000 | 9,272,000 | 12,266,000 | 6,622,000 |
| Income tax | 2,222,000 | 3,609,000 | 4,739,000 | 2,560,000 |
| Net income | 3,465,000 | 5,663,000 | 7,527,000 | 4,062,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 186,373,000 | 188,653,000 | 190,389,000 | 185,786,000 |
| Total capital | 204,622,000 | 208,031,000 | 210,450,000 | 207,803,000 |
| Risk-weighted assets | 1,883,644,000 | 1,959,855,000 | 1,965,135,000 | 1,985,933,000 |