Call reports 2001
NORTH GEORGIA BANK — 2001
What NORTH GEORGIA BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 22,245,000 | 24,428,000 | 30,013,000 | 36,578,000 |
| Total loans | 16,691,000 | 18,500,000 | 23,121,000 | 30,249,000 |
| Allowance for loan losses | 231,000 | 292,000 | 347,000 | 384,000 |
| Securities available for sale | 2,197,000 | 2,579,000 | 2,821,000 | 2,817,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,329,000 | 19,433,000 | 24,883,000 | 31,371,000 |
| Interest-bearing deposits | 16,415,000 | 18,455,000 | 22,580,000 | 29,246,000 |
| Noninterest-bearing deposits | 914,000 | 978,000 | 2,303,000 | 2,125,000 |
| Equity capital | 4,795,000 | 4,823,000 | 4,910,000 | 5,001,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 446,000 | 1,005,000 | 1,598,000 | 2,291,000 |
| Interest expense | 215,000 | 482,000 | 755,000 | 1,055,000 |
| Net interest income | 231,000 | 523,000 | 843,000 | 1,236,000 |
| Noninterest income | 12,000 | 31,000 | 54,000 | 79,000 |
| Noninterest expense | 224,000 | 437,000 | 669,000 | 908,000 |
| Provision for loan losses | 46,000 | 107,000 | 162,000 | 199,000 |
| Pretax income | -27,000 | 10,000 | 66,000 | 208,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -27,000 | 10,000 | 66,000 | 208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,755,000 | 4,792,000 | 4,848,000 | 4,990,000 |
| Total capital | 4,982,000 | 5,047,000 | 5,151,000 | 5,372,000 |
| Risk-weighted assets | 18,854,000 | 20,587,000 | 24,461,000 | 31,184,000 |
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