Call reports 2005
NATIONAL BANK OF GEORGIA, THE — 2005
What NATIONAL BANK OF GEORGIA, THE 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 | 159,037,000 | 169,797,000 | 180,638,000 | 182,561,000 |
| Total loans | 145,368,000 | 152,282,000 | 162,027,000 | 168,817,000 |
| Allowance for loan losses | 1,814,000 | 1,874,000 | 2,003,000 | 2,089,000 |
| Securities available for sale | 1,395,000 | 1,371,000 | 1,304,000 | 1,228,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,457,000 | 147,770,000 | 158,880,000 | 152,945,000 |
| Interest-bearing deposits | 125,755,000 | 134,831,000 | 144,142,000 | 138,430,000 |
| Noninterest-bearing deposits | 12,702,000 | 12,939,000 | 14,738,000 | 14,515,000 |
| Equity capital | 13,226,000 | 13,709,000 | 14,202,000 | 14,866,000 |
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 | 2,419,000 | 5,023,000 | 7,987,000 | 11,276,000 |
| Interest expense | 898,000 | 1,911,000 | 3,124,000 | 4,501,000 |
| Net interest income | 1,521,000 | 3,112,000 | 4,863,000 | 6,775,000 |
| Noninterest income | 309,000 | 607,000 | 861,000 | 1,144,000 |
| Noninterest expense | 916,000 | 1,935,000 | 3,015,000 | 4,033,000 |
| Provision for loan losses | 107,000 | 212,000 | 341,000 | 428,000 |
| Pretax income | 807,000 | 1,572,000 | 2,368,000 | 3,458,000 |
| Income tax | 309,000 | 598,000 | 901,000 | 1,312,000 |
| Net income | 498,000 | 974,000 | 1,467,000 | 2,146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,174,000 | 13,650,000 | 14,150,000 | 14,828,000 |
| Total capital | 14,817,000 | 15,395,000 | 15,997,000 | 16,752,000 |
| Risk-weighted assets | 130,841,000 | 138,681,000 | 147,615,000 | 154,073,000 |
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