Call reports 2005
NORTH GEORGIA NATIONAL BANK — 2005
What NORTH GEORGIA NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 120,402,000 | 126,946,000 | 133,345,000 | 135,112,000 |
| Total loans | 83,196,000 | 84,014,000 | 95,219,000 | 98,311,000 |
| Allowance for loan losses | 1,283,000 | 1,390,000 | 1,471,000 | 1,010,000 |
| Securities available for sale | 25,437,000 | 25,315,000 | 28,639,000 | 24,885,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,573,000 | 102,793,000 | 102,028,000 | 103,729,000 |
| Interest-bearing deposits | 90,089,000 | 93,053,000 | 93,341,000 | 94,120,000 |
| Noninterest-bearing deposits | 7,484,000 | 9,740,000 | 8,687,000 | 9,609,000 |
| Equity capital | 11,906,000 | 12,341,000 | 12,435,000 | 12,636,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,607,000 | 3,345,000 | 5,215,000 | 7,371,000 |
| Interest expense | 485,000 | 1,083,000 | 1,777,000 | 2,626,000 |
| Net interest income | 1,122,000 | 2,262,000 | 3,438,000 | 4,745,000 |
| Noninterest income | 207,000 | 432,000 | 706,000 | 999,000 |
| Noninterest expense | 939,000 | 1,878,000 | 2,845,000 | 3,812,000 |
| Provision for loan losses | 165,000 | 255,000 | 331,000 | 698,000 |
| Pretax income | 252,000 | 584,000 | 991,000 | 1,257,000 |
| Income tax | 85,000 | 193,000 | 331,000 | 421,000 |
| Net income | 167,000 | 391,000 | 660,000 | 836,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,293,000 | 12,456,000 | 12,660,000 | 13,086,000 |
| Total capital | 13,402,000 | 13,594,000 | 13,927,000 | 14,096,000 |
| Risk-weighted assets | 88,522,000 | 90,757,000 | 101,118,000 | 103,885,000 |