Call reports 2013
NORTH GEORGIA NATIONAL BANK — 2013
What NORTH GEORGIA NATIONAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 129,157,000 | 124,697,000 | 119,556,000 | 114,949,000 |
| Total loans | 71,204,000 | 69,343,000 | 67,748,000 | 66,467,000 |
| Allowance for loan losses | 2,526,000 | 1,980,000 | 2,175,000 | 2,284,000 |
| Securities available for sale | 20,523,000 | 18,630,000 | 19,897,000 | 18,019,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,727,000 | 110,530,000 | 105,562,000 | 100,432,000 |
| Interest-bearing deposits | 105,877,000 | 101,514,000 | 96,364,000 | 91,462,000 |
| Noninterest-bearing deposits | 8,850,000 | 9,016,000 | 9,198,000 | 8,970,000 |
| Equity capital | 12,058,000 | 11,807,000 | 11,654,000 | 11,745,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,210,000 | 2,401,000 | 3,589,000 | 4,723,000 |
| Interest expense | 247,000 | 487,000 | 719,000 | 931,000 |
| Net interest income | 963,000 | 1,914,000 | 2,870,000 | 3,792,000 |
| Noninterest income | 128,000 | 104,000 | 140,000 | 330,000 |
| Noninterest expense | 931,000 | 1,948,000 | 3,001,000 | 4,016,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 160,000 | 104,000 | 43,000 | 252,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 160,000 | 104,000 | 43,000 | 252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,472,000 | 11,465,000 | 11,377,000 | 11,513,000 |
| Total capital | 12,476,000 | 12,429,000 | 12,293,000 | 12,408,000 |
| Risk-weighted assets | 78,647,000 | 76,104,000 | 71,995,000 | 70,237,000 |