Call reports 2005
NORTH GEORGIA BANK — 2005
What NORTH GEORGIA BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 111,544,000 | 117,932,000 | 126,388,000 | 131,559,000 |
| Total loans | 93,479,000 | 96,948,000 | 106,442,000 | 108,442,000 |
| Allowance for loan losses | 1,550,000 | 1,678,000 | 1,778,000 | 1,903,000 |
| Securities available for sale | 9,772,000 | 11,783,000 | 11,531,000 | 13,049,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,659,000 | 103,643,000 | 111,795,000 | 115,047,000 |
| Interest-bearing deposits | 91,782,000 | 96,816,000 | 104,630,000 | 108,808,000 |
| Noninterest-bearing deposits | 6,877,000 | 6,827,000 | 7,165,000 | 6,239,000 |
| Equity capital | 10,032,000 | 10,648,000 | 10,978,000 | 11,324,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,673,000 | 3,896,000 | 6,043,000 | 8,374,000 |
| Interest expense | 629,000 | 1,385,000 | 2,261,000 | 3,266,000 |
| Net interest income | 1,044,000 | 2,511,000 | 3,782,000 | 5,108,000 |
| Noninterest income | 118,000 | 188,000 | 337,000 | 428,000 |
| Noninterest expense | 618,000 | 1,266,000 | 1,905,000 | 2,555,000 |
| Provision for loan losses | 80,000 | 185,000 | 285,000 | 410,000 |
| Pretax income | 464,000 | 1,248,000 | 1,929,000 | 2,569,000 |
| Income tax | 162,000 | 440,000 | 683,000 | 908,000 |
| Net income | 302,000 | 808,000 | 1,246,000 | 1,661,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,148,000 | 10,654,000 | 11,092,000 | 11,507,000 |
| Total capital | 11,328,000 | 11,885,000 | 12,464,000 | 12,928,000 |
| Risk-weighted assets | 94,035,000 | 98,010,000 | 109,025,000 | 113,230,000 |