Call reports 2019
NORTH GEORGIA NATIONAL BANK — 2019
What NORTH GEORGIA NATIONAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 131,337,000 | 125,932,000 | 122,755,000 | 134,407,000 |
| Total loans | 69,518,000 | 68,609,000 | 71,927,000 | 74,790,000 |
| Allowance for loan losses | 911,000 | 948,000 | 979,000 | 905,000 |
| Securities available for sale | 38,618,000 | 38,039,000 | 36,631,000 | 34,322,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,706,000 | 106,594,000 | 103,279,000 | 114,935,000 |
| Interest-bearing deposits | 97,527,000 | 91,268,000 | 86,270,000 | 97,011,000 |
| Noninterest-bearing deposits | 15,179,000 | 15,326,000 | 17,009,000 | 17,924,000 |
| Equity capital | 14,223,000 | 14,958,000 | 15,046,000 | 15,056,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,298,000 | 2,622,000 | 3,936,000 | 5,305,000 |
| Interest expense | 140,000 | 295,000 | 461,000 | 639,000 |
| Net interest income | 1,158,000 | 2,327,000 | 3,475,000 | 4,666,000 |
| Noninterest income | 141,000 | 292,000 | 433,000 | 606,000 |
| Noninterest expense | 1,184,000 | 2,283,000 | 3,269,000 | 4,389,000 |
| Provision for loan losses | 30,000 | 60,000 | 80,000 | 110,000 |
| Pretax income | 85,000 | 277,000 | 608,000 | 842,000 |
| Income tax | 21,000 | 70,000 | 153,000 | 208,000 |
| Net income | 64,000 | 207,000 | 455,000 | 634,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,318,000 | 14,462,000 | 14,709,000 | 14,888,000 |
| Total capital | 15,229,000 | 15,383,000 | 15,661,000 | 15,793,000 |
| Risk-weighted assets | 76,776,000 | 73,618,000 | 76,139,000 | 78,653,000 |