Call reports 2006
NORTHWEST GEORGIA BANK — 2006
What NORTHWEST GEORGIA BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 525,578,000 | 524,396,000 | 545,726,000 | 568,293,000 |
| Total loans | 355,140,000 | 352,007,000 | 349,645,000 | 344,460,000 |
| Allowance for loan losses | 4,439,000 | 4,543,000 | 4,671,000 | 4,561,000 |
| Securities available for sale | 98,866,000 | 99,645,000 | 125,846,000 | 136,334,000 |
| Securities held to maturity | 32,917,000 | 31,336,000 | 29,788,000 | 28,504,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 420,716,000 | 412,558,000 | 432,245,000 | 459,634,000 |
| Interest-bearing deposits | 379,175,000 | 373,601,000 | 396,732,000 | 424,152,000 |
| Noninterest-bearing deposits | 41,541,000 | 38,957,000 | 35,513,000 | 35,482,000 |
| Equity capital | 34,970,000 | 34,706,000 | 39,061,000 | 41,241,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 9,351,000 | 19,569,000 | 29,765,000 | 40,391,000 |
| Interest expense | 3,662,000 | 7,818,000 | 12,393,000 | 17,257,000 |
| Net interest income | 5,689,000 | 11,751,000 | 17,372,000 | 23,134,000 |
| Noninterest income | 1,170,000 | 2,468,000 | 3,769,000 | 5,040,000 |
| Noninterest expense | 3,685,000 | 7,658,000 | 11,713,000 | 16,275,000 |
| Provision for loan losses | 420,000 | 980,000 | 1,605,000 | 2,355,000 |
| Pretax income | 2,754,000 | 5,581,000 | 7,823,000 | 9,544,000 |
| Income tax | 931,000 | 987,000 | 1,042,000 | 1,098,000 |
| Net income | 1,823,000 | 4,594,000 | 6,781,000 | 8,446,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,992,000 | 40,763,000 | 41,450,000 | 43,115,000 |
| Total capital | 48,442,000 | 51,316,000 | 50,094,000 | 51,687,000 |
| Risk-weighted assets | 371,768,000 | 371,904,000 | 380,430,000 | 380,870,000 |
Machine access — free, no API key
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