Call reports 2001
NORTHWEST GEORGIA BANK — 2001
What NORTHWEST GEORGIA BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 358,396,000 | 356,017,000 | 359,669,000 | 364,463,000 |
| Total loans | 212,640,000 | 210,955,000 | 223,555,000 | 236,130,000 |
| Allowance for loan losses | 3,084,000 | 3,111,000 | 3,179,000 | 3,151,000 |
| Securities available for sale | 129,545,000 | 119,831,000 | 114,964,000 | 109,974,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 294,713,000 | 294,653,000 | 272,117,000 | 273,453,000 |
| Interest-bearing deposits | 263,190,000 | 260,557,000 | 236,031,000 | 238,818,000 |
| Noninterest-bearing deposits | 31,523,000 | 34,096,000 | 36,086,000 | 34,635,000 |
| Equity capital | 27,146,000 | 27,849,000 | 29,254,000 | 28,554,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 7,480,000 | 14,400,000 | 21,393,000 | 27,855,000 |
| Interest expense | 3,966,000 | 7,824,000 | 11,608,000 | 14,681,000 |
| Net interest income | 3,514,000 | 6,576,000 | 9,785,000 | 13,174,000 |
| Noninterest income | 666,000 | 1,302,000 | 2,008,000 | 2,734,000 |
| Noninterest expense | 2,272,000 | 4,567,000 | 6,960,000 | 9,426,000 |
| Provision for loan losses | 165,000 | 330,000 | 495,000 | 605,000 |
| Pretax income | 1,743,000 | 2,981,000 | 4,657,000 | 6,316,000 |
| Income tax | 523,000 | 900,000 | 1,408,000 | 1,785,000 |
| Net income | 1,220,000 | 2,081,000 | 3,249,000 | 4,531,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,707,000 | 27,568,000 | 27,236,000 | 27,758,000 |
| Total capital | 29,326,000 | 30,223,000 | 30,041,000 | 30,653,000 |
| Risk-weighted assets | 209,109,000 | 211,943,000 | 224,025,000 | 231,337,000 |