Call reports 2025
NORTHEAST GEORGIA BANK — 2025
What NORTHEAST GEORGIA BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 647,845,000 | 634,703,000 | 643,432,000 | 651,699,000 |
| Total loans | 309,514,000 | 318,154,000 | 326,107,000 | 323,992,000 |
| Allowance for loan losses | 4,859,000 | 4,976,000 | 4,990,000 | 5,055,000 |
| Securities available for sale | 145,460,000 | 136,477,000 | 129,242,000 | 139,155,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 564,699,000 | 552,403,000 | 549,025,000 | 557,207,000 |
| Interest-bearing deposits | 433,997,000 | 422,097,000 | 413,763,000 | 419,311,000 |
| Noninterest-bearing deposits | 130,702,000 | 130,306,000 | 135,262,000 | 137,896,000 |
| Equity capital | 70,157,000 | 75,014,000 | 80,831,000 | 86,768,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 8,515,000 | 17,301,000 | 26,270,000 | 34,979,000 |
| Interest expense | 1,692,000 | 3,353,000 | 4,917,000 | 6,445,000 |
| Net interest income | 6,823,000 | 13,948,000 | 21,353,000 | 28,534,000 |
| Noninterest income | 684,000 | 1,288,000 | 2,053,000 | 2,840,000 |
| Noninterest expense | 3,266,000 | 6,523,000 | 9,808,000 | 12,309,000 |
| Provision for loan losses | 96,000 | 223,000 | 269,000 | 376,000 |
| Pretax income | 4,148,000 | 8,493,000 | 13,332,000 | 18,692,000 |
| Income tax | 131,000 | 280,000 | 446,000 | 618,000 |
| Net income | 4,017,000 | 8,213,000 | 12,886,000 | 18,074,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,732,000 | 82,928,000 | 87,601,000 | 92,789,000 |