Call reports 2025
NORTH GEORGIA NATIONAL BANK — 2025
What NORTH GEORGIA NATIONAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 |
|---|---|---|---|
| Total assets | 267,434,000 | 269,533,000 | 271,736,000 |
| Total loans | 161,637,000 | 174,383,000 | 178,717,000 |
| Allowance for loan losses | 1,860,000 | 1,953,000 | 1,941,000 |
| Securities available for sale | 63,920,000 | 62,246,000 | 63,110,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 250,409,000 | 251,270,000 | 252,862,000 |
| Interest-bearing deposits | 212,711,000 | 216,932,000 | 218,213,000 |
| Noninterest-bearing deposits | 37,698,000 | 34,338,000 | 34,649,000 |
| Equity capital | 14,035,000 | 14,381,000 | 16,280,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 |
|---|---|---|---|
| Interest income | 3,648,000 | 7,424,000 | 11,231,000 |
| Interest expense | 1,273,000 | 2,551,000 | 3,792,000 |
| Net interest income | 2,375,000 | 4,873,000 | 7,439,000 |
| Noninterest income | 251,000 | 600,000 | 891,000 |
| Noninterest expense | 1,643,000 | 3,344,000 | 5,093,000 |
| Provision for loan losses | 141,000 | 239,000 | 320,000 |
| Pretax income | 842,000 | 1,890,000 | 2,947,000 |
| Income tax | 193,000 | 434,000 | 677,000 |
| Net income | 649,000 | 1,456,000 | 2,270,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 |
|---|---|---|---|
| Tier 1 capital | 23,023,000 | 23,606,000 | 24,154,000 |