Call reports 2018
NORTH GEORGIA NATIONAL BANK — 2018
What NORTH GEORGIA NATIONAL BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 139,093,000 | 131,574,000 | 124,424,000 | 144,839,000 |
| Total loans | 62,024,000 | 64,261,000 | 68,292,000 | 68,550,000 |
| Allowance for loan losses | 857,000 | 862,000 | 871,000 | 881,000 |
| Securities available for sale | 55,600,000 | 47,194,000 | 40,443,000 | 39,595,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,106,000 | 115,397,000 | 106,019,000 | 126,015,000 |
| Interest-bearing deposits | 109,716,000 | 101,123,000 | 90,658,000 | 99,240,000 |
| Noninterest-bearing deposits | 13,390,000 | 14,274,000 | 15,361,000 | 26,775,000 |
| Equity capital | 13,477,000 | 13,563,000 | 13,711,000 | 13,812,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,213,000 | 2,459,000 | 3,737,000 | 5,051,000 |
| Interest expense | 115,000 | 226,000 | 346,000 | 482,000 |
| Net interest income | 1,098,000 | 2,233,000 | 3,391,000 | 4,569,000 |
| Noninterest income | 169,000 | 323,000 | 473,000 | 619,000 |
| Noninterest expense | 943,000 | 1,935,000 | 2,947,000 | 4,228,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 324,000 | 621,000 | 918,000 | 961,000 |
| Income tax | 76,000 | 146,000 | 215,000 | 225,000 |
| Net income | 248,000 | 475,000 | 703,000 | 736,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,010,000 | 14,243,000 | 14,471,000 | 14,254,000 |
| Total capital | 14,867,000 | 15,105,000 | 15,342,000 | 15,135,000 |
| Risk-weighted assets | 73,144,000 | 73,533,000 | 75,020,000 | 76,605,000 |