Call reports 2002
NORTHEAST GEORGIA BANK — 2002
What NORTHEAST GEORGIA BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 239,497,000 | 243,525,000 | 236,204,000 | 239,975,000 |
| Total loans | 149,851,000 | 154,514,000 | 158,332,000 | 154,788,000 |
| Allowance for loan losses | 2,022,000 | 2,071,000 | 2,069,000 | 2,124,000 |
| Securities available for sale | 52,164,000 | 53,088,000 | 49,598,000 | 46,339,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,499,000 | 215,345,000 | 201,332,000 | 211,138,000 |
| Interest-bearing deposits | 183,449,000 | 176,283,000 | 172,947,000 | 183,971,000 |
| Noninterest-bearing deposits | 29,050,000 | 39,062,000 | 28,385,000 | 27,167,000 |
| Equity capital | 22,204,000 | 23,457,000 | 24,776,000 | 24,505,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,860,000 | 7,662,000 | 11,432,000 | 15,159,000 |
| Interest expense | 1,330,000 | 2,508,000 | 3,614,000 | 4,611,000 |
| Net interest income | 2,530,000 | 5,154,000 | 7,818,000 | 10,548,000 |
| Noninterest income | 388,000 | 818,000 | 1,490,000 | 2,181,000 |
| Noninterest expense | 1,666,000 | 3,412,000 | 5,206,000 | 7,018,000 |
| Provision for loan losses | 50,000 | 81,000 | 159,000 | 299,000 |
| Pretax income | 1,202,000 | 2,480,000 | 3,943,000 | 5,426,000 |
| Income tax | 356,000 | 740,000 | 1,205,000 | 1,675,000 |
| Net income | 846,000 | 1,740,000 | 2,738,000 | 3,751,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,512,000 | 22,348,000 | 23,289,000 | 23,168,000 |
| Total capital | 23,534,000 | 24,419,000 | 25,358,000 | 25,292,000 |
| Risk-weighted assets | 174,561,000 | 179,479,000 | 182,562,000 | 178,001,000 |