Call reports 2005
NORTHEAST GEORGIA BANK — 2005
What NORTHEAST GEORGIA BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 288,167,000 | 284,850,000 | 285,951,000 | 278,461,000 |
| Total loans | 178,519,000 | 178,524,000 | 183,053,000 | 178,637,000 |
| Allowance for loan losses | 2,110,000 | 2,164,000 | 2,224,000 | 2,297,000 |
| Securities available for sale | 66,827,000 | 65,397,000 | 62,761,000 | 61,298,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,989,000 | 249,870,000 | 246,513,000 | 244,480,000 |
| Interest-bearing deposits | 215,749,000 | 213,973,000 | 209,769,000 | 207,581,000 |
| Noninterest-bearing deposits | 39,240,000 | 35,897,000 | 36,744,000 | 36,899,000 |
| Equity capital | 27,199,000 | 28,735,000 | 29,361,000 | 29,023,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,764,000 | 7,798,000 | 11,983,000 | 16,364,000 |
| Interest expense | 897,000 | 1,985,000 | 3,264,000 | 4,741,000 |
| Net interest income | 2,867,000 | 5,813,000 | 8,719,000 | 11,623,000 |
| Noninterest income | 544,000 | 1,049,000 | 1,649,000 | 2,318,000 |
| Noninterest expense | 1,946,000 | 3,889,000 | 5,896,000 | 7,954,000 |
| Provision for loan losses | 110,000 | 223,000 | 337,000 | 450,000 |
| Pretax income | 1,355,000 | 2,754,000 | 4,140,000 | 5,542,000 |
| Income tax | 0 | 0 | 0 | 363,000 |
| Net income | 1,355,000 | 2,754,000 | 4,140,000 | 5,179,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,694,000 | 28,689,000 | 29,671,000 | 29,977,000 |
| Total capital | 29,804,000 | 30,853,000 | 31,895,000 | 32,274,000 |
| Risk-weighted assets | 210,064,000 | 207,498,000 | 211,760,000 | 206,525,000 |