Call reports 2014
NORTH GEORGIA NATIONAL BANK — 2014
What NORTH GEORGIA NATIONAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 117,807,000 | 116,224,000 | 114,289,000 | 117,360,000 |
| Total loans | 65,913,000 | 65,591,000 | 61,597,000 | 63,591,000 |
| Allowance for loan losses | 2,389,000 | 2,424,000 | 1,708,000 | 1,488,000 |
| Securities available for sale | 18,267,000 | 20,139,000 | 19,356,000 | 18,800,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,822,000 | 102,113,000 | 99,310,000 | 101,862,000 |
| Interest-bearing deposits | 93,695,000 | 92,023,000 | 87,561,000 | 91,209,000 |
| Noninterest-bearing deposits | 10,127,000 | 10,090,000 | 11,749,000 | 10,653,000 |
| Equity capital | 11,838,000 | 11,955,000 | 12,808,000 | 13,262,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,075,000 | 2,137,000 | 3,157,000 | 4,212,000 |
| Interest expense | 188,000 | 376,000 | 560,000 | 728,000 |
| Net interest income | 887,000 | 1,761,000 | 2,597,000 | 3,484,000 |
| Noninterest income | 133,000 | 314,000 | 510,000 | 974,000 |
| Noninterest expense | 991,000 | 1,987,000 | 2,955,000 | 3,942,000 |
| Provision for loan losses | 0 | 0 | -800,000 | -800,000 |
| Pretax income | 73,000 | 132,000 | 996,000 | 1,360,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 73,000 | 132,000 | 996,000 | 1,360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,405,000 | 11,524,000 | 12,322,000 | 12,452,000 |
| Total capital | 12,302,000 | 12,418,000 | 13,168,000 | 13,341,000 |
| Risk-weighted assets | 70,272,000 | 69,995,000 | 66,822,000 | 70,543,000 |