Call reports 2006
NORTHEAST GEORGIA BANK — 2006
What NORTHEAST GEORGIA BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 306,347,000 | 301,024,000 | 304,156,000 | 315,220,000 |
| Total loans | 181,456,000 | 190,836,000 | 201,712,000 | 194,490,000 |
| Allowance for loan losses | 2,325,000 | 2,395,000 | 2,493,000 | 2,525,000 |
| Securities available for sale | 67,134,000 | 71,256,000 | 66,109,000 | 72,900,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,049,000 | 267,786,000 | 267,515,000 | 277,800,000 |
| Interest-bearing deposits | 234,232,000 | 225,943,000 | 230,275,000 | 161,675,000 |
| Noninterest-bearing deposits | 39,817,000 | 41,843,000 | 37,240,000 | 116,125,000 |
| Equity capital | 27,454,000 | 28,157,000 | 31,384,000 | 32,389,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,583,000 | 9,609,000 | 14,847,000 | 20,312,000 |
| Interest expense | 1,629,000 | 3,516,000 | 5,583,000 | 7,873,000 |
| Net interest income | 2,954,000 | 6,093,000 | 9,264,000 | 12,439,000 |
| Noninterest income | 564,000 | 1,195,000 | 2,489,000 | 3,063,000 |
| Noninterest expense | 2,054,000 | 4,136,000 | 6,250,000 | 8,395,000 |
| Provision for loan losses | 110,000 | 223,000 | 337,000 | 450,000 |
| Pretax income | 1,354,000 | 2,929,000 | 5,168,000 | 6,659,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,354,000 | 2,929,000 | 5,168,000 | 6,659,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,741,000 | 30,315,000 | 32,679,000 | 33,270,000 |
| Total capital | 31,066,000 | 32,710,000 | 35,172,000 | 35,795,000 |
| Risk-weighted assets | 217,241,000 | 224,888,000 | 232,750,000 | 229,962,000 |