Call reports 2007
NORTHWEST GEORGIA BANK — 2007
What NORTHWEST GEORGIA BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 570,122,000 | 567,107,000 | 561,989,000 | 612,626,000 |
| Total loans | 352,917,000 | 355,233,000 | 351,990,000 | 354,721,000 |
| Allowance for loan losses | 4,817,000 | 4,853,000 | 4,894,000 | 5,030,000 |
| Securities available for sale | 107,147,000 | 131,177,000 | 129,684,000 | 177,817,000 |
| Securities held to maturity | 27,420,000 | 26,389,000 | 25,205,000 | 24,434,000 |
| Trading assets | 40,137,000 | 9,614,000 | 9,649,000 | 9,721,000 |
| Total deposits | 460,319,000 | 457,776,000 | 460,558,000 | 466,431,000 |
| Interest-bearing deposits | 420,173,000 | 417,609,000 | 421,259,000 | 426,332,000 |
| Noninterest-bearing deposits | 40,146,000 | 40,167,000 | 39,299,000 | 40,099,000 |
| Equity capital | 37,916,000 | 35,247,000 | 39,957,000 | 43,588,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 10,562,000 | 21,398,000 | 32,112,000 | 42,118,000 |
| Interest expense | 5,065,000 | 10,426,000 | 15,823,000 | 21,127,000 |
| Net interest income | 5,497,000 | 10,972,000 | 16,289,000 | 20,991,000 |
| Noninterest income | 1,354,000 | 2,405,000 | 3,663,000 | 5,205,000 |
| Noninterest expense | 4,229,000 | 8,777,000 | 13,167,000 | 17,188,000 |
| Provision for loan losses | 366,000 | 732,000 | 1,098,000 | 1,220,000 |
| Pretax income | 2,256,000 | 3,927,000 | 5,746,000 | 7,847,000 |
| Income tax | 58,000 | 121,000 | 185,000 | 112,000 |
| Net income | 2,198,000 | 3,806,000 | 5,561,000 | 7,735,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,853,000 | 39,466,000 | 41,221,000 | 41,395,000 |
| Total capital | 46,681,000 | 48,330,000 | 48,128,000 | 48,376,000 |
| Risk-weighted assets | 387,462,000 | 391,942,000 | 402,002,000 | 397,281,000 |