Call reports 2002
NORTHWEST GEORGIA BANK — 2002
What NORTHWEST GEORGIA BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 360,484,000 | 359,804,000 | 378,340,000 | 377,227,000 |
| Total loans | 237,005,000 | 239,913,000 | 248,655,000 | 268,771,000 |
| Allowance for loan losses | 3,166,000 | 3,315,000 | 3,461,000 | 3,623,000 |
| Securities available for sale | 105,217,000 | 97,054,000 | 107,203,000 | 85,663,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 270,677,000 | 274,156,000 | 269,456,000 | 278,573,000 |
| Interest-bearing deposits | 236,988,000 | 239,660,000 | 232,596,000 | 237,557,000 |
| Noninterest-bearing deposits | 33,689,000 | 34,496,000 | 36,860,000 | 41,016,000 |
| Equity capital | 28,620,000 | 32,188,000 | 33,854,000 | 34,038,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 6,037,000 | 12,168,000 | 18,350,000 | 24,854,000 |
| Interest expense | 2,650,000 | 4,989,000 | 7,345,000 | 9,665,000 |
| Net interest income | 3,387,000 | 7,179,000 | 11,005,000 | 15,189,000 |
| Noninterest income | 646,000 | 1,388,000 | 2,141,000 | 2,990,000 |
| Noninterest expense | 2,487,000 | 5,005,000 | 7,568,000 | 10,367,000 |
| Provision for loan losses | 195,000 | 445,000 | 640,000 | 888,000 |
| Pretax income | 1,336,000 | 3,225,000 | 5,046,000 | 7,394,000 |
| Income tax | 402,000 | 1,008,000 | 1,601,000 | 2,369,000 |
| Net income | 934,000 | 2,217,000 | 3,445,000 | 5,025,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,692,000 | 29,975,000 | 30,071,000 | 30,519,000 |
| Total capital | 31,649,000 | 32,941,000 | 33,130,000 | 33,792,000 |
| Risk-weighted assets | 236,314,000 | 236,926,000 | 244,280,000 | 261,527,000 |