Call reports 2015
NATIONAL BANK OF GEORGIA, THE — 2015
What NATIONAL BANK OF GEORGIA, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 369,807,000 | 365,630,000 | 371,682,000 | 374,631,000 |
| Total loans | 324,616,000 | 327,520,000 | 326,544,000 | 330,907,000 |
| Allowance for loan losses | 4,293,000 | 4,292,000 | 4,214,000 | 4,290,000 |
| Securities available for sale | 12,232,000 | 10,641,000 | 7,495,000 | 7,270,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 306,392,000 | 301,677,000 | 301,729,000 | 303,872,000 |
| Interest-bearing deposits | 269,864,000 | 261,412,000 | 260,322,000 | 260,065,000 |
| Noninterest-bearing deposits | 36,528,000 | 40,265,000 | 41,407,000 | 43,807,000 |
| Equity capital | 36,626,000 | 37,683,000 | 38,938,000 | 40,264,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,047,000 | 8,157,000 | 12,293,000 | 16,436,000 |
| Interest expense | 634,000 | 1,277,000 | 1,939,000 | 2,603,000 |
| Net interest income | 3,413,000 | 6,880,000 | 10,354,000 | 13,833,000 |
| Noninterest income | 373,000 | 790,000 | 1,079,000 | 1,423,000 |
| Noninterest expense | 2,052,000 | 4,161,000 | 6,192,000 | 7,969,000 |
| Provision for loan losses | 57,000 | 57,000 | 57,000 | 117,000 |
| Pretax income | 1,677,000 | 3,475,000 | 5,230,000 | 7,216,000 |
| Income tax | 626,000 | 1,241,000 | 1,809,000 | 2,464,000 |
| Net income | 1,051,000 | 2,234,000 | 3,421,000 | 4,752,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,527,000 | 37,710,000 | 38,897,000 | 40,228,000 |
| Total capital | 40,558,000 | 41,748,000 | 42,967,000 | 44,346,000 |
| Risk-weighted assets | 322,251,000 | 322,786,000 | 325,525,000 | 329,301,000 |