Call reports 2008
NORTHEAST GEORGIA BANK — 2008
What NORTHEAST GEORGIA BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 324,459,000 | 324,446,000 | 310,527,000 | 309,173,000 |
| Total loans | 210,616,000 | 208,078,000 | 209,267,000 | 207,479,000 |
| Allowance for loan losses | 2,747,000 | 2,817,000 | 2,714,000 | 2,682,000 |
| Securities available for sale | 66,946,000 | 65,465,000 | 64,460,000 | 58,068,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,293,000 | 284,553,000 | 265,803,000 | 268,383,000 |
| Interest-bearing deposits | 253,010,000 | 250,051,000 | 233,968,000 | 239,810,000 |
| Noninterest-bearing deposits | 32,283,000 | 34,502,000 | 31,835,000 | 28,573,000 |
| Equity capital | 32,966,000 | 33,268,000 | 34,013,000 | 33,009,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,199,000 | 9,909,000 | 14,323,000 | 18,561,000 |
| Interest expense | 1,978,000 | 3,601,000 | 5,129,000 | 6,489,000 |
| Net interest income | 3,221,000 | 6,308,000 | 9,194,000 | 12,072,000 |
| Noninterest income | 547,000 | 1,184,000 | 1,757,000 | 2,240,000 |
| Noninterest expense | 2,301,000 | 4,602,000 | 6,966,000 | 9,422,000 |
| Provision for loan losses | 129,000 | 296,000 | 463,000 | 673,000 |
| Pretax income | 1,341,000 | 2,597,000 | 3,525,000 | 4,228,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,341,000 | 2,597,000 | 3,525,000 | 4,228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,871,000 | 33,127,000 | 34,055,000 | 32,450,000 |
| Total capital | 34,618,000 | 35,944,000 | 36,769,000 | 35,132,000 |
| Risk-weighted assets | 250,018,000 | 250,426,000 | 249,575,000 | 249,545,000 |