Call reports 2022
NORTH GEORGIA NATIONAL BANK — 2022
What NORTH GEORGIA NATIONAL BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 198,378,000 | 199,419,000 | 202,845,000 | 210,323,000 |
| Total loans | 100,139,000 | 105,985,000 | 105,669,000 | 108,187,000 |
| Allowance for loan losses | 1,122,000 | 1,184,000 | 1,291,000 | 1,344,000 |
| Securities available for sale | 77,224,000 | 74,634,000 | 74,624,000 | 74,039,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,926,000 | 187,993,000 | 194,519,000 | 200,653,000 |
| Interest-bearing deposits | 150,983,000 | 158,338,000 | 163,005,000 | 170,554,000 |
| Noninterest-bearing deposits | 32,943,000 | 29,655,000 | 31,514,000 | 30,099,000 |
| Equity capital | 12,175,000 | 8,327,000 | 6,544,000 | 7,682,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,636,000 | 3,348,000 | 5,263,000 | 7,356,000 |
| Interest expense | 100,000 | 193,000 | 321,000 | 542,000 |
| Net interest income | 1,536,000 | 3,155,000 | 4,942,000 | 6,814,000 |
| Noninterest income | 192,000 | 439,000 | 679,000 | 886,000 |
| Noninterest expense | 1,204,000 | 2,458,000 | 3,794,000 | 5,106,000 |
| Provision for loan losses | 37,000 | 102,000 | 210,000 | 260,000 |
| Pretax income | 487,000 | 1,034,000 | 1,617,000 | 2,334,000 |
| Income tax | 105,000 | 232,000 | 346,000 | 437,000 |
| Net income | 382,000 | 802,000 | 1,271,000 | 1,897,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,063,000 | 17,454,000 | 17,893,000 | 18,440,000 |
| Total capital | — | — | 19,184,000 | 19,784,000 |
| Risk-weighted assets | — | — | 112,347,000 | 129,564,000 |