Call reports 2004
NORTHEAST GEORGIA BANK — 2004
What NORTHEAST GEORGIA BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 273,276,000 | 267,781,000 | 273,825,000 | 274,737,000 |
| Total loans | 169,657,000 | 170,193,000 | 176,767,000 | 172,712,000 |
| Allowance for loan losses | 2,265,000 | 2,096,000 | 2,019,000 | 2,061,000 |
| Securities available for sale | 58,824,000 | 65,270,000 | 58,499,000 | 58,711,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,597,000 | 238,565,000 | 240,115,000 | 243,479,000 |
| Interest-bearing deposits | 211,325,000 | 205,709,000 | 207,228,000 | 209,518,000 |
| Noninterest-bearing deposits | 31,272,000 | 32,856,000 | 32,887,000 | 33,961,000 |
| Equity capital | 26,530,000 | 25,760,000 | 26,959,000 | 27,199,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,380,000 | 6,830,000 | 10,332,000 | 13,932,000 |
| Interest expense | 741,000 | 1,495,000 | 2,275,000 | 3,052,000 |
| Net interest income | 2,639,000 | 5,335,000 | 8,057,000 | 10,880,000 |
| Noninterest income | 555,000 | 1,090,000 | 1,659,000 | 2,210,000 |
| Noninterest expense | 1,933,000 | 3,859,000 | 5,739,000 | 7,625,000 |
| Provision for loan losses | 116,000 | 232,000 | 347,000 | 460,000 |
| Pretax income | 1,146,000 | 2,372,000 | 3,673,000 | 5,077,000 |
| Income tax | 323,000 | 668,000 | 1,024,000 | 1,428,000 |
| Net income | 823,000 | 1,704,000 | 2,649,000 | 3,649,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,269,000 | 25,699,000 | 26,195,000 | 26,744,000 |
| Total capital | 27,534,000 | 27,795,000 | 28,214,000 | 28,805,000 |
| Risk-weighted assets | 199,905,000 | 198,916,000 | 205,549,000 | 200,887,000 |