Call reports 2015
NORTHEAST GEORGIA BANK — 2015
What NORTHEAST GEORGIA BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 420,850,000 | 422,937,000 | 424,197,000 | 443,055,000 |
| Total loans | 210,060,000 | 210,400,000 | 204,060,000 | 198,439,000 |
| Allowance for loan losses | 3,794,000 | 3,628,000 | 3,548,000 | 3,552,000 |
| Securities available for sale | 94,991,000 | 91,508,000 | 90,484,000 | 94,237,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 376,188,000 | 377,229,000 | 375,601,000 | 395,977,000 |
| Interest-bearing deposits | 325,969,000 | 323,254,000 | 318,532,000 | 334,711,000 |
| Noninterest-bearing deposits | 50,219,000 | 53,975,000 | 57,069,000 | 61,266,000 |
| Equity capital | 38,874,000 | 39,725,000 | 42,103,000 | 41,480,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,070,000 | 6,314,000 | 9,579,000 | 12,795,000 |
| Interest expense | 277,000 | 552,000 | 826,000 | 1,100,000 |
| Net interest income | 2,793,000 | 5,762,000 | 8,753,000 | 11,695,000 |
| Noninterest income | 522,000 | 871,000 | 1,607,000 | 1,558,000 |
| Noninterest expense | 2,496,000 | 4,920,000 | 7,536,000 | 9,922,000 |
| Provision for loan losses | 8,000 | -1,133,000 | -1,123,000 | -1,113,000 |
| Pretax income | 811,000 | 2,846,000 | 3,947,000 | 4,444,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 811,000 | 2,846,000 | 3,947,000 | 4,444,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,576,000 | 44,625,000 | 45,739,000 | 46,139,000 |
| Total capital | 45,818,000 | 47,866,000 | 48,945,000 | 49,280,000 |
| Risk-weighted assets | 258,853,000 | 258,927,000 | 256,171,000 | 250,899,000 |