Call reports 2003
NORTHWEST GEORGIA BANK — 2003
What NORTHWEST GEORGIA BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 396,163,000 | 395,793,000 | 409,260,000 | 415,646,000 |
| Total loans | 278,222,000 | 285,112,000 | 293,503,000 | 298,275,000 |
| Allowance for loan losses | 3,784,000 | 3,848,000 | 3,921,000 | 4,053,000 |
| Securities available for sale | 94,040,000 | 87,169,000 | 92,100,000 | 95,915,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 290,548,000 | 306,496,000 | 307,150,000 | 318,136,000 |
| Interest-bearing deposits | 253,265,000 | 267,027,000 | 267,513,000 | 279,962,000 |
| Noninterest-bearing deposits | 37,283,000 | 39,469,000 | 39,637,000 | 38,174,000 |
| Equity capital | 34,512,000 | 34,619,000 | 33,523,000 | 34,776,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,333,000 | 12,979,000 | 19,388,000 | 25,828,000 |
| Interest expense | 2,251,000 | 4,459,000 | 6,671,000 | 8,876,000 |
| Net interest income | 4,082,000 | 8,520,000 | 12,717,000 | 16,952,000 |
| Noninterest income | 802,000 | 1,615,000 | 2,439,000 | 3,213,000 |
| Noninterest expense | 2,704,000 | 5,477,000 | 8,463,000 | 11,473,000 |
| Provision for loan losses | 210,000 | 420,000 | 630,000 | 840,000 |
| Pretax income | 1,970,000 | 4,238,000 | 6,063,000 | 7,852,000 |
| Income tax | 641,000 | 1,384,000 | 1,976,000 | 2,521,000 |
| Net income | 1,329,000 | 2,854,000 | 4,087,000 | 5,331,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,848,000 | 32,117,000 | 32,093,000 | 33,337,000 |
| Total capital | 35,252,000 | 35,591,000 | 35,660,000 | 37,079,000 |
| Risk-weighted assets | 271,919,000 | 277,547,000 | 284,985,000 | 299,063,000 |