Call reports 2009
NORTHEAST GEORGIA BANK — 2009
What NORTHEAST GEORGIA BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 414,763,000 | 404,901,000 | 401,486,000 | 426,895,000 |
| Total loans | 305,330,000 | 291,183,000 | 276,266,000 | 255,541,000 |
| Allowance for loan losses | 2,827,000 | 2,767,000 | 2,507,000 | 4,987,000 |
| Securities available for sale | 45,746,000 | 42,846,000 | 39,757,000 | 43,892,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 364,465,000 | 353,612,000 | 354,373,000 | 379,698,000 |
| Interest-bearing deposits | 330,398,000 | 318,630,000 | 320,939,000 | 348,317,000 |
| Noninterest-bearing deposits | 34,067,000 | 34,982,000 | 33,434,000 | 31,381,000 |
| Equity capital | 34,159,000 | 34,650,000 | 35,617,000 | 35,017,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,318,000 | 9,255,000 | 14,180,000 | 19,000,000 |
| Interest expense | 1,512,000 | 3,226,000 | 4,959,000 | 6,582,000 |
| Net interest income | 2,806,000 | 6,029,000 | 9,221,000 | 12,418,000 |
| Noninterest income | 480,000 | 1,232,000 | 1,937,000 | 2,648,000 |
| Noninterest expense | 2,542,000 | 5,680,000 | 8,626,000 | 11,657,000 |
| Provision for loan losses | 268,000 | 537,000 | 1,139,000 | 2,784,000 |
| Pretax income | 1,059,000 | 1,528,000 | 1,891,000 | 1,527,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,059,000 | 1,528,000 | 1,891,000 | 1,527,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,360,000 | 36,854,000 | 37,218,000 | 36,853,000 |
| Total capital | 39,187,000 | 39,621,000 | 39,725,000 | 40,895,000 |
| Risk-weighted assets | 348,608,000 | 337,555,000 | 326,446,000 | 322,406,000 |