Call reports 2016
NORTHEAST GEORGIA BANK — 2016
What NORTHEAST GEORGIA BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 461,621,000 | 457,347,000 | 449,382,000 | 458,846,000 |
| Total loans | 213,119,000 | 212,429,000 | 210,232,000 | 208,703,000 |
| Allowance for loan losses | 3,539,000 | 3,543,000 | 3,527,000 | 3,535,000 |
| Securities available for sale | 107,791,000 | 105,846,000 | 104,540,000 | 97,663,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 412,865,000 | 406,988,000 | 398,211,000 | 409,787,000 |
| Interest-bearing deposits | 346,508,000 | 337,338,000 | 326,477,000 | 339,868,000 |
| Noninterest-bearing deposits | 66,357,000 | 69,650,000 | 71,734,000 | 69,919,000 |
| Equity capital | 42,752,000 | 44,130,000 | 44,691,000 | 43,371,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,333,000 | 6,659,000 | 9,986,000 | 13,296,000 |
| Interest expense | 275,000 | 543,000 | 806,000 | 1,066,000 |
| Net interest income | 3,058,000 | 6,116,000 | 9,180,000 | 12,230,000 |
| Noninterest income | 1,052,000 | 1,722,000 | 2,409,000 | 3,056,000 |
| Noninterest expense | 2,593,000 | 5,101,000 | 7,804,000 | 10,281,000 |
| Provision for loan losses | 8,000 | 16,000 | 25,000 | 34,000 |
| Pretax income | 1,516,000 | 2,728,000 | 3,771,000 | 4,982,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,516,000 | 2,728,000 | 3,771,000 | 4,982,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,447,000 | 45,922,000 | 46,979,000 | 48,203,000 |
| Total capital | 48,778,000 | 49,231,000 | 50,247,000 | 51,437,000 |
| Risk-weighted assets | 266,284,000 | 264,538,000 | 261,192,000 | 258,431,000 |