Call reports 2012
NORTHEAST GEORGIA BANK — 2012
What NORTHEAST GEORGIA BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 421,718,000 | 420,010,000 | 410,469,000 | 410,840,000 |
| Total loans | 196,529,000 | 188,690,000 | 190,677,000 | 197,232,000 |
| Allowance for loan losses | 5,051,000 | 5,411,000 | 5,318,000 | 5,204,000 |
| Securities available for sale | 98,487,000 | 93,809,000 | 104,253,000 | 96,717,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 378,763,000 | 376,722,000 | 367,224,000 | 368,734,000 |
| Interest-bearing deposits | 341,300,000 | 336,638,000 | 326,835,000 | 328,521,000 |
| Noninterest-bearing deposits | 37,463,000 | 40,084,000 | 40,389,000 | 40,213,000 |
| Equity capital | 35,442,000 | 36,007,000 | 35,661,000 | 35,477,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,647,000 | 7,240,000 | 10,720,000 | 14,127,000 |
| Interest expense | 566,000 | 1,023,000 | 1,452,000 | 1,822,000 |
| Net interest income | 3,081,000 | 6,217,000 | 9,268,000 | 12,305,000 |
| Noninterest income | 691,000 | 1,532,000 | 2,075,000 | 2,552,000 |
| Noninterest expense | 2,710,000 | 5,696,000 | 9,361,000 | 12,864,000 |
| Provision for loan losses | 580,000 | 1,236,000 | 1,447,000 | 1,458,000 |
| Pretax income | 635,000 | 1,254,000 | 1,709,000 | 1,733,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 635,000 | 1,254,000 | 1,709,000 | 1,733,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,130,000 | 37,750,000 | 38,206,000 | 38,229,000 |
| Total capital | 40,452,000 | 40,963,000 | 41,419,000 | 41,510,000 |
| Risk-weighted assets | 264,063,000 | 254,867,000 | 254,929,000 | 260,562,000 |