Call reports 2006
NORTH GEORGIA NATIONAL BANK — 2006
What NORTH GEORGIA NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 139,393,000 | 144,410,000 | 140,569,000 | 151,123,000 |
| Total loans | 99,287,000 | 99,119,000 | 94,328,000 | 95,801,000 |
| Allowance for loan losses | 1,091,000 | 1,112,000 | 1,151,000 | 1,100,000 |
| Securities available for sale | 24,478,000 | 25,775,000 | 28,092,000 | 29,896,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,702,000 | 119,518,000 | 115,313,000 | 131,293,000 |
| Interest-bearing deposits | 105,748,000 | 108,082,000 | 108,010,000 | 121,920,000 |
| Noninterest-bearing deposits | 8,954,000 | 11,436,000 | 7,303,000 | 9,373,000 |
| Equity capital | 12,914,000 | 13,007,000 | 13,678,000 | 14,015,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,284,000 | 4,705,000 | 7,159,000 | 9,776,000 |
| Interest expense | 919,000 | 1,905,000 | 2,997,000 | 4,240,000 |
| Net interest income | 1,365,000 | 2,800,000 | 4,162,000 | 5,536,000 |
| Noninterest income | 272,000 | 600,000 | 981,000 | 1,415,000 |
| Noninterest expense | 1,048,000 | 2,150,000 | 3,276,000 | 4,433,000 |
| Provision for loan losses | 75,000 | 105,000 | 144,000 | 146,000 |
| Pretax income | 514,000 | 1,145,000 | 1,723,000 | 2,372,000 |
| Income tax | 175,000 | 389,000 | 589,000 | 870,000 |
| Net income | 339,000 | 756,000 | 1,134,000 | 1,502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,425,000 | 13,792,000 | 14,075,000 | 14,348,000 |
| Total capital | 14,516,000 | 14,904,000 | 15,226,000 | 15,448,000 |
| Risk-weighted assets | 108,164,000 | 109,100,000 | 104,316,000 | 106,786,000 |