Call reports 2008
NORTH GEORGIA BANK — 2008
What NORTH GEORGIA BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 162,635,000 | 168,585,000 | 171,876,000 | 178,501,000 |
| Total loans | 134,478,000 | 137,883,000 | 141,893,000 | 139,454,000 |
| Allowance for loan losses | 2,979,000 | 3,261,000 | 3,618,000 | 1,888,000 |
| Securities available for sale | 17,658,000 | 18,082,000 | 17,729,000 | 17,873,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,903,000 | 129,646,000 | 133,164,000 | 141,937,000 |
| Interest-bearing deposits | 123,937,000 | 123,782,000 | 128,315,000 | 137,305,000 |
| Noninterest-bearing deposits | 4,966,000 | 5,864,000 | 4,849,000 | 4,632,000 |
| Equity capital | 15,461,000 | 15,010,000 | 15,024,000 | 13,381,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,803,000 | 5,398,000 | 8,007,000 | 10,177,000 |
| Interest expense | 1,572,000 | 3,054,000 | 4,556,000 | 5,983,000 |
| Net interest income | 1,231,000 | 2,344,000 | 3,451,000 | 4,194,000 |
| Noninterest income | -43,000 | 52,000 | 164,000 | 271,000 |
| Noninterest expense | 945,000 | 1,950,000 | 2,678,000 | 3,669,000 |
| Provision for loan losses | 0 | 455,000 | 975,000 | 3,910,000 |
| Pretax income | 263,000 | 11,000 | -16,000 | -3,092,000 |
| Income tax | 74,000 | -36,000 | -84,000 | -1,239,000 |
| Net income | 189,000 | 47,000 | 68,000 | -1,853,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,506,000 | 15,370,000 | 15,398,000 | 13,483,000 |
| Total capital | 17,324,000 | 17,225,000 | 17,267,000 | 15,308,000 |
| Risk-weighted assets | 144,516,000 | 147,218,000 | 147,339,000 | 145,964,000 |
Machine access — free, no API key
Every figure shown here about NORTH GEORGIA BANK — 2008 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.