Call reports 2003
NORTHEAST GEORGIA BANK — 2003
What NORTHEAST GEORGIA BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 255,339,000 | 255,498,000 | 249,553,000 | 252,270,000 |
| Total loans | 158,409,000 | 171,381,000 | 170,973,000 | 164,590,000 |
| Allowance for loan losses | 2,078,000 | 2,141,000 | 2,150,000 | 2,166,000 |
| Securities available for sale | 50,567,000 | 46,983,000 | 43,680,000 | 46,283,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,239,000 | 225,560,000 | 219,719,000 | 222,442,000 |
| Interest-bearing deposits | 195,488,000 | 194,242,000 | 187,593,000 | 191,636,000 |
| Noninterest-bearing deposits | 30,751,000 | 31,318,000 | 32,126,000 | 30,806,000 |
| Equity capital | 24,713,000 | 25,391,000 | 25,426,000 | 25,869,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,510,000 | 7,113,000 | 10,617,000 | 14,004,000 |
| Interest expense | 914,000 | 1,818,000 | 2,643,000 | 3,308,000 |
| Net interest income | 2,596,000 | 5,295,000 | 7,974,000 | 10,696,000 |
| Noninterest income | 633,000 | 1,326,000 | 1,986,000 | 2,586,000 |
| Noninterest expense | 1,872,000 | 3,738,000 | 5,714,000 | 7,699,000 |
| Provision for loan losses | 127,000 | 258,000 | 384,000 | 505,000 |
| Pretax income | 1,230,000 | 2,632,000 | 3,869,000 | 5,117,000 |
| Income tax | 371,000 | 828,000 | 1,199,000 | 1,514,000 |
| Net income | 859,000 | 1,804,000 | 2,670,000 | 3,603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,482,000 | 24,035,000 | 24,434,000 | 24,896,000 |
| Total capital | 25,560,000 | 26,176,000 | 26,584,000 | 27,062,000 |
| Risk-weighted assets | 185,071,000 | 194,329,000 | 193,510,000 | 189,491,000 |
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