Call reports 2010
NORTHEAST GEORGIA BANK — 2010
What NORTHEAST GEORGIA BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 431,539,000 | 425,459,000 | 426,018,000 | 437,218,000 |
| Total loans | 251,175,000 | 243,388,000 | 236,859,000 | 230,177,000 |
| Allowance for loan losses | 5,313,000 | 4,967,000 | 6,178,000 | 6,264,000 |
| Securities available for sale | 52,924,000 | 65,104,000 | 66,014,000 | 76,877,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 383,212,000 | 378,124,000 | 379,868,000 | 393,209,000 |
| Interest-bearing deposits | 350,984,000 | 345,042,000 | 346,672,000 | 362,483,000 |
| Noninterest-bearing deposits | 32,228,000 | 33,082,000 | 33,196,000 | 30,726,000 |
| Equity capital | 36,037,000 | 37,184,000 | 38,355,000 | 36,838,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,410,000 | 8,832,000 | 13,173,000 | 17,442,000 |
| Interest expense | 1,489,000 | 2,991,000 | 4,429,000 | 5,854,000 |
| Net interest income | 2,921,000 | 5,841,000 | 8,744,000 | 11,588,000 |
| Noninterest income | 2,625,000 | 3,261,000 | 5,784,000 | 6,317,000 |
| Noninterest expense | 2,778,000 | 5,614,000 | 8,507,000 | 11,241,000 |
| Provision for loan losses | 2,211,000 | 2,479,000 | 4,463,000 | 4,730,000 |
| Pretax income | 557,000 | 1,009,000 | 1,665,000 | 2,260,000 |
| Income tax | 0 | 0 | 20,000 | 22,000 |
| Net income | 557,000 | 1,009,000 | 1,645,000 | 2,238,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,454,000 | 37,906,000 | 38,543,000 | 39,134,000 |
| Total capital | 41,442,000 | 41,723,000 | 42,317,000 | 42,854,000 |
| Risk-weighted assets | 317,724,000 | 305,823,000 | 299,949,000 | 295,401,000 |