Call reports 2009
NORTH GEORGIA BANK — 2009
What NORTH GEORGIA BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 196,417,000 | 192,693,000 | 183,778,000 | 181,174,000 |
| Total loans | 142,287,000 | 138,842,000 | 133,968,000 | 126,926,000 |
| Allowance for loan losses | 2,024,000 | 4,359,000 | 3,984,000 | 2,663,000 |
| Securities available for sale | 23,505,000 | 24,881,000 | 24,614,000 | 23,806,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,179,000 | 160,379,000 | 151,800,000 | 150,270,000 |
| Interest-bearing deposits | 154,921,000 | 155,403,000 | 147,351,000 | 146,119,000 |
| Noninterest-bearing deposits | 5,258,000 | 4,976,000 | 4,449,000 | 4,151,000 |
| Equity capital | 13,069,000 | 9,178,000 | 8,929,000 | 8,244,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,257,000 | 3,974,000 | 5,735,000 | 7,288,000 |
| Interest expense | 1,582,000 | 3,236,000 | 4,775,000 | 6,189,000 |
| Net interest income | 675,000 | 738,000 | 960,000 | 1,099,000 |
| Noninterest income | 123,000 | 244,000 | 327,000 | 441,000 |
| Noninterest expense | 1,036,000 | 2,316,000 | 3,299,000 | 4,352,000 |
| Provision for loan losses | 200,000 | 4,223,000 | 4,230,000 | 4,267,000 |
| Pretax income | -438,000 | -5,557,000 | -6,089,000 | -6,931,000 |
| Income tax | -187,000 | -1,433,000 | -1,515,000 | -1,868,000 |
| Net income | -251,000 | -4,124,000 | -4,574,000 | -5,063,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,239,000 | 8,527,000 | 8,001,000 | 8,446,000 |
| Total capital | 15,080,000 | 10,291,000 | 9,661,000 | 10,022,000 |
| Risk-weighted assets | 150,040,000 | 140,284,000 | 130,462,000 | 126,374,000 |
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