Call reports 2010
NORTH GEORGIA BANK — 2010
What NORTH GEORGIA BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 173,635,000 | 165,558,000 | 166,332,000 | 153,172,000 |
| Total loans | 122,447,000 | 115,221,000 | 112,466,000 | 99,088,000 |
| Allowance for loan losses | 2,375,000 | 1,491,000 | 1,925,000 | 1,161,000 |
| Securities available for sale | 23,604,000 | 24,544,000 | 20,005,000 | 18,710,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,267,000 | 143,826,000 | 146,282,000 | 139,672,000 |
| Interest-bearing deposits | 138,893,000 | 139,652,000 | 141,990,000 | 135,999,000 |
| Noninterest-bearing deposits | 4,374,000 | 4,174,000 | 4,292,000 | 3,673,000 |
| Equity capital | 7,800,000 | 5,409,000 | 3,812,000 | 540,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,646,000 | 3,195,000 | 4,743,000 | 6,074,000 |
| Interest expense | 1,261,000 | 2,331,000 | 3,313,000 | 4,160,000 |
| Net interest income | 385,000 | 864,000 | 1,430,000 | 1,914,000 |
| Noninterest income | 272,000 | 380,000 | 449,000 | 371,000 |
| Noninterest expense | 1,188,000 | 2,605,000 | 3,952,000 | 5,550,000 |
| Provision for loan losses | 26,000 | 1,926,000 | 3,046,000 | 4,645,000 |
| Pretax income | -445,000 | -3,141,000 | -4,802,000 | -7,593,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -445,000 | -3,141,000 | -4,802,000 | -7,593,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,007,000 | 5,318,000 | 3,663,000 | 879,000 |
| Total capital | 9,445,000 | 6,763,000 | 5,089,000 | 1,758,000 |
| Risk-weighted assets | 120,819,000 | 115,520,000 | 113,521,000 | 105,805,000 |
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