Call reports 2011
NORTHEAST GEORGIA BANK — 2011
What NORTHEAST GEORGIA BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 439,221,000 | 431,337,000 | 427,125,000 | 417,320,000 |
| Total loans | 217,594,000 | 212,647,000 | 207,054,000 | 200,944,000 |
| Allowance for loan losses | 5,159,000 | 3,749,000 | 4,567,000 | 4,993,000 |
| Securities available for sale | 75,221,000 | 78,285,000 | 74,260,000 | 76,909,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 394,573,000 | 385,340,000 | 382,031,000 | 375,135,000 |
| Interest-bearing deposits | 359,864,000 | 350,775,000 | 345,652,000 | 340,786,000 |
| Noninterest-bearing deposits | 34,709,000 | 34,565,000 | 36,379,000 | 34,349,000 |
| Equity capital | 37,429,000 | 38,877,000 | 37,522,000 | 34,713,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,028,000 | 7,942,000 | 11,527,000 | 15,196,000 |
| Interest expense | 1,155,000 | 2,071,000 | 2,925,000 | 3,719,000 |
| Net interest income | 2,873,000 | 5,871,000 | 8,602,000 | 11,477,000 |
| Noninterest income | 464,000 | 1,081,000 | 1,774,000 | 1,393,000 |
| Noninterest expense | 2,793,000 | 5,649,000 | 9,290,000 | 14,241,000 |
| Provision for loan losses | 266,000 | 836,000 | 2,749,000 | 5,151,000 |
| Pretax income | 278,000 | 595,000 | -1,250,000 | -5,639,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 277,000 | 594,000 | -1,251,000 | -5,640,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,412,000 | 39,729,000 | 37,885,000 | 36,496,000 |
| Total capital | 43,183,000 | 43,351,000 | 41,461,000 | 39,879,000 |
| Risk-weighted assets | 300,265,000 | 289,662,000 | 284,959,000 | 269,040,000 |