Call reports 2009
NORTHWEST GEORGIA BANK — 2009
What NORTHWEST GEORGIA BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 596,665,000 | 577,898,000 | 586,256,000 | 622,106,000 |
| Total loans | 349,548,000 | 348,298,000 | 334,732,000 | 323,234,000 |
| Allowance for loan losses | 5,221,000 | 4,449,000 | 5,382,000 | 7,414,000 |
| Securities available for sale | 164,851,000 | 134,194,000 | 126,795,000 | 185,880,000 |
| Securities held to maturity | 20,984,000 | 20,042,000 | 18,918,000 | 17,670,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 453,200,000 | 434,837,000 | 452,190,000 | 496,228,000 |
| Interest-bearing deposits | 419,608,000 | 397,287,000 | 417,887,000 | 456,099,000 |
| Noninterest-bearing deposits | 33,592,000 | 37,550,000 | 34,303,000 | 40,129,000 |
| Equity capital | 38,906,000 | 43,168,000 | 39,229,000 | 33,957,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 8,719,000 | 16,065,000 | 23,103,000 | 29,473,000 |
| Interest expense | 3,884,000 | 7,619,000 | 11,029,000 | 14,388,000 |
| Net interest income | 4,835,000 | 8,446,000 | 12,074,000 | 15,085,000 |
| Noninterest income | 1,099,000 | 1,929,000 | 2,965,000 | 3,512,000 |
| Noninterest expense | 4,441,000 | 9,158,000 | 13,534,000 | 17,817,000 |
| Provision for loan losses | 600,000 | 1,310,000 | 5,138,000 | 10,538,000 |
| Pretax income | 1,392,000 | 917,000 | -2,120,000 | -7,922,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,392,000 | 917,000 | -2,120,000 | -7,922,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,346,000 | 41,162,000 | 38,125,000 | 35,598,000 |
| Total capital | 47,949,000 | 48,118,000 | 44,690,000 | 40,020,000 |
| Risk-weighted assets | 367,331,000 | 368,465,000 | 363,765,000 | 350,235,000 |