Call reports 2015
NORTH GEORGIA NATIONAL BANK — 2015
What NORTH GEORGIA NATIONAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 117,551,000 | 119,683,000 | 117,020,000 | 114,669,000 |
| Total loans | 62,982,000 | 67,701,000 | 66,397,000 | 61,074,000 |
| Allowance for loan losses | 1,495,000 | 1,528,000 | 1,551,000 | 1,473,000 |
| Securities available for sale | 18,130,000 | 21,239,000 | 21,065,000 | 24,208,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,135,000 | 103,265,000 | 100,312,000 | 97,845,000 |
| Interest-bearing deposits | 90,030,000 | 93,131,000 | 89,015,000 | 87,331,000 |
| Noninterest-bearing deposits | 11,105,000 | 10,134,000 | 11,297,000 | 10,514,000 |
| Equity capital | 13,199,000 | 13,143,000 | 13,204,000 | 13,671,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,024,000 | 2,067,000 | 3,178,000 | 4,290,000 |
| Interest expense | 150,000 | 299,000 | 454,000 | 599,000 |
| Net interest income | 874,000 | 1,768,000 | 2,724,000 | 3,691,000 |
| Noninterest income | -12,000 | 132,000 | 210,000 | 481,000 |
| Noninterest expense | 1,021,000 | 2,022,000 | 3,057,000 | 4,116,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -98,000 | -61,000 | -62,000 | 117,000 |
| Income tax | 3,000 | 4,000 | 6,000 | -371,000 |
| Net income | -101,000 | -65,000 | -68,000 | 488,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,856,000 | 12,893,000 | 12,889,000 | 13,118,000 |
| Total capital | 13,748,000 | 13,819,000 | 13,800,000 | 13,973,000 |
| Risk-weighted assets | 70,775,000 | 73,455,000 | 72,210,000 | 67,555,000 |