Call reports 2009
NATIONAL BANK OF GEORGIA, THE — 2009
What NATIONAL BANK OF GEORGIA, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 276,003,000 | 290,377,000 | 303,958,000 | 293,535,000 |
| Total loans | 250,495,000 | 255,214,000 | 262,240,000 | 252,573,000 |
| Allowance for loan losses | 3,816,000 | 4,115,000 | 4,436,000 | 4,121,000 |
| Securities available for sale | 6,683,000 | 6,580,000 | 6,339,000 | 4,509,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,651,000 | 236,256,000 | 247,742,000 | 237,017,000 |
| Interest-bearing deposits | 207,087,000 | 217,949,000 | 230,286,000 | 220,656,000 |
| Noninterest-bearing deposits | 14,564,000 | 18,307,000 | 17,456,000 | 16,361,000 |
| Equity capital | 21,737,000 | 21,387,000 | 23,415,000 | 23,880,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,863,000 | 7,639,000 | 11,848,000 | 15,886,000 |
| Interest expense | 1,517,000 | 3,063,000 | 4,639,000 | 6,155,000 |
| Net interest income | 2,346,000 | 4,576,000 | 7,209,000 | 9,731,000 |
| Noninterest income | 525,000 | 780,000 | 166,000 | 393,000 |
| Noninterest expense | 1,652,000 | 3,746,000 | 5,406,000 | 6,956,000 |
| Provision for loan losses | 272,000 | 1,161,000 | 1,682,000 | 2,563,000 |
| Pretax income | 947,000 | 449,000 | 287,000 | 457,000 |
| Income tax | 332,000 | 127,000 | 46,000 | 88,000 |
| Net income | 615,000 | 322,000 | 241,000 | 369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,225,000 | 21,932,000 | 23,667,000 | 24,015,000 |
| Total capital | 25,140,000 | 24,916,000 | 26,874,000 | 27,117,000 |
| Risk-weighted assets | 232,304,000 | 237,564,000 | 255,343,000 | 247,107,000 |