Call reports 2006
NORTH GEORGIA BANK — 2006
What NORTH GEORGIA BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 126,504,000 | 129,406,000 | 134,612,000 | 143,177,000 |
| Total loans | 106,117,000 | 108,794,000 | 107,304,000 | 110,769,000 |
| Allowance for loan losses | 1,903,000 | 1,953,000 | 2,023,000 | 2,163,000 |
| Securities available for sale | 14,145,000 | 14,433,000 | 15,236,000 | 15,888,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,600,000 | 111,172,000 | 112,345,000 | 120,383,000 |
| Interest-bearing deposits | 102,262,000 | 105,369,000 | 106,436,000 | 111,278,000 |
| Noninterest-bearing deposits | 7,338,000 | 5,803,000 | 5,909,000 | 9,105,000 |
| Equity capital | 11,689,000 | 12,993,000 | 13,814,000 | 14,256,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,386,000 | 5,044,000 | 7,818,000 | 10,694,000 |
| Interest expense | 1,092,000 | 2,240,000 | 3,502,000 | 4,925,000 |
| Net interest income | 1,294,000 | 2,804,000 | 4,316,000 | 5,769,000 |
| Noninterest income | 69,000 | 167,000 | 256,000 | 408,000 |
| Noninterest expense | 698,000 | 1,407,000 | 2,103,000 | 2,840,000 |
| Provision for loan losses | 0 | 50,000 | 120,000 | 260,000 |
| Pretax income | 665,000 | 1,514,000 | 2,349,000 | 3,077,000 |
| Income tax | 234,000 | 530,000 | 827,000 | 1,077,000 |
| Net income | 431,000 | 984,000 | 1,522,000 | 2,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,938,000 | 13,392,000 | 13,930,000 | 14,385,000 |
| Total capital | 13,335,000 | 14,825,000 | 15,367,000 | 15,886,000 |
| Risk-weighted assets | 111,253,000 | 114,000,000 | 114,445,000 | 119,807,000 |
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