Call reports 2004
NORTHWEST GEORGIA BANK — 2004
What NORTHWEST GEORGIA BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 443,133,000 | 478,631,000 | 459,570,000 | 484,165,000 |
| Total loans | 288,635,000 | 297,539,000 | 297,615,000 | 316,924,000 |
| Allowance for loan losses | 4,228,000 | 4,136,000 | 4,157,000 | 4,140,000 |
| Securities available for sale | 118,251,000 | 100,967,000 | 84,657,000 | 90,300,000 |
| Securities held to maturity | 0 | 44,584,000 | 43,582,000 | 41,993,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 339,980,000 | 343,792,000 | 335,011,000 | 354,677,000 |
| Interest-bearing deposits | 283,500,000 | 302,203,000 | 295,435,000 | 311,286,000 |
| Noninterest-bearing deposits | 56,480,000 | 41,589,000 | 39,576,000 | 43,391,000 |
| Equity capital | 34,549,000 | 32,419,000 | 34,543,000 | 35,452,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 6,439,000 | 13,427,000 | 20,197,000 | 27,391,000 |
| Interest expense | 2,288,000 | 4,754,000 | 7,281,000 | 9,815,000 |
| Net interest income | 4,151,000 | 8,673,000 | 12,916,000 | 17,576,000 |
| Noninterest income | 798,000 | 1,840,000 | 2,938,000 | 3,973,000 |
| Noninterest expense | 3,101,000 | 6,343,000 | 9,485,000 | 12,478,000 |
| Provision for loan losses | 225,000 | 450,000 | 675,000 | 1,900,000 |
| Pretax income | 1,623,000 | 3,698,000 | 5,651,000 | 7,128,000 |
| Income tax | 530,000 | 1,188,000 | 1,863,000 | 2,310,000 |
| Net income | 1,093,000 | 2,510,000 | 3,788,000 | 4,818,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,097,000 | 33,848,000 | 34,460,000 | 35,490,000 |
| Total capital | 36,721,000 | 47,655,000 | 46,203,000 | 47,535,000 |
| Risk-weighted assets | 289,291,000 | 304,250,000 | 299,036,000 | 323,521,000 |