Call reports 2012
NORTH GEORGIA NATIONAL BANK — 2012
What NORTH GEORGIA NATIONAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 131,965,000 | 128,660,000 | 110,739,000 | 113,889,000 |
| Total loans | 72,997,000 | 71,337,000 | 72,025,000 | 70,323,000 |
| Allowance for loan losses | 2,166,000 | 2,413,000 | 2,451,000 | 2,517,000 |
| Securities available for sale | 23,760,000 | 22,082,000 | 20,069,000 | 19,072,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,435,000 | 111,165,000 | 95,927,000 | 99,492,000 |
| Interest-bearing deposits | 106,773,000 | 102,739,000 | 88,257,000 | 92,108,000 |
| Noninterest-bearing deposits | 7,662,000 | 8,426,000 | 7,670,000 | 7,384,000 |
| Equity capital | 11,856,000 | 12,041,000 | 12,025,000 | 11,951,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,268,000 | 2,562,000 | 3,848,000 | 5,101,000 |
| Interest expense | 386,000 | 739,000 | 1,062,000 | 1,327,000 |
| Net interest income | 882,000 | 1,823,000 | 2,786,000 | 3,774,000 |
| Noninterest income | 271,000 | 538,000 | 622,000 | 689,000 |
| Noninterest expense | 930,000 | 1,884,000 | 2,813,000 | 3,859,000 |
| Provision for loan losses | 240,000 | 480,000 | 660,000 | 720,000 |
| Pretax income | -17,000 | 102,000 | 136,000 | 85,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -17,000 | 102,000 | 136,000 | 85,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,094,000 | 11,270,000 | 11,323,000 | 11,289,000 |
| Total capital | 12,107,000 | 12,258,000 | 12,319,000 | 12,263,000 |
| Risk-weighted assets | 79,843,000 | 77,722,000 | 78,285,000 | 76,342,000 |