Call reports 2005
NORTHWEST GEORGIA BANK — 2005
What NORTHWEST GEORGIA BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 492,198,000 | 508,649,000 | 502,787,000 | 509,678,000 |
| Total loans | 322,948,000 | 338,438,000 | 342,075,000 | 347,820,000 |
| Allowance for loan losses | 4,287,000 | 4,415,000 | 4,463,000 | 4,532,000 |
| Securities available for sale | 90,168,000 | 94,973,000 | 87,235,000 | 92,791,000 |
| Securities held to maturity | 40,205,000 | 38,269,000 | 35,998,000 | 34,265,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 362,263,000 | 365,438,000 | 380,130,000 | 394,092,000 |
| Interest-bearing deposits | 319,008,000 | 323,388,000 | 337,556,000 | 356,100,000 |
| Noninterest-bearing deposits | 43,255,000 | 42,050,000 | 42,574,000 | 37,992,000 |
| Equity capital | 33,541,000 | 35,883,000 | 37,014,000 | 37,789,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 7,593,000 | 15,634,000 | 23,857,000 | 32,608,000 |
| Interest expense | 2,638,000 | 5,556,000 | 8,808,000 | 12,279,000 |
| Net interest income | 4,955,000 | 10,078,000 | 15,049,000 | 20,329,000 |
| Noninterest income | 1,087,000 | 2,257,000 | 3,418,000 | 4,538,000 |
| Noninterest expense | 3,317,000 | 6,873,000 | 10,470,000 | 14,310,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 2,425,000 | 4,862,000 | 7,097,000 | 9,357,000 |
| Income tax | 807,000 | 1,603,000 | 2,403,000 | 3,181,000 |
| Net income | 1,618,000 | 3,259,000 | 4,694,000 | 6,176,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,699,000 | 36,340,000 | 37,775,000 | 39,257,000 |
| Total capital | 46,862,000 | 48,727,000 | 48,216,000 | 49,779,000 |
| Risk-weighted assets | 332,956,000 | 351,017,000 | 355,236,000 | 361,786,000 |