Call reports 2007
NORTH GEORGIA BANK — 2007
What NORTH GEORGIA BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 139,852,000 | 158,341,000 | 160,042,000 | 158,581,000 |
| Total loans | 117,239,000 | 127,496,000 | 131,160,000 | 133,707,000 |
| Allowance for loan losses | 2,213,000 | 2,371,000 | 2,451,000 | 2,986,000 |
| Securities available for sale | 16,300,000 | 16,759,000 | 16,689,000 | 17,250,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,652,000 | 128,114,000 | 131,224,000 | 124,987,000 |
| Interest-bearing deposits | 107,612,000 | 116,648,000 | 125,655,000 | 120,649,000 |
| Noninterest-bearing deposits | 7,040,000 | 11,466,000 | 5,569,000 | 4,338,000 |
| Equity capital | 14,559,000 | 14,758,000 | 15,384,000 | 15,457,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,897,000 | 6,007,000 | 9,235,000 | 12,309,000 |
| Interest expense | 1,422,000 | 2,958,000 | 4,671,000 | 6,371,000 |
| Net interest income | 1,475,000 | 3,049,000 | 4,564,000 | 5,938,000 |
| Noninterest income | 117,000 | 228,000 | 416,000 | 513,000 |
| Noninterest expense | 780,000 | 1,682,000 | 2,606,000 | 3,533,000 |
| Provision for loan losses | 50,000 | 210,000 | 290,000 | 825,000 |
| Pretax income | 762,000 | 1,380,000 | 2,079,000 | 2,088,000 |
| Income tax | 262,000 | 478,000 | 712,000 | 693,000 |
| Net income | 500,000 | 902,000 | 1,367,000 | 1,395,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,695,000 | 15,103,000 | 15,575,000 | 15,610,000 |
| Total capital | 16,265,000 | 16,857,000 | 17,357,000 | 17,428,000 |
| Risk-weighted assets | 124,955,000 | 139,677,000 | 142,028,000 | 144,236,000 |
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