Call reports 2010
NORTHWEST GEORGIA BANK — 2010
What NORTHWEST GEORGIA BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 578,218,000 | 574,777,000 | 546,636,000 | 556,976,000 |
| Total loans | 310,046,000 | 296,496,000 | 289,590,000 | 276,630,000 |
| Allowance for loan losses | 7,329,000 | 8,252,000 | 6,821,000 | 6,081,000 |
| Securities available for sale | 172,774,000 | 160,420,000 | 159,411,000 | 202,040,000 |
| Securities held to maturity | 16,914,000 | 16,087,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 452,875,000 | 447,667,000 | 418,269,000 | 436,787,000 |
| Interest-bearing deposits | 416,054,000 | 408,756,000 | 379,214,000 | 394,264,000 |
| Noninterest-bearing deposits | 36,821,000 | 38,911,000 | 39,055,000 | 42,523,000 |
| Equity capital | 36,529,000 | 38,609,000 | 40,037,000 | 32,373,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 6,614,000 | 13,085,000 | 18,977,000 | 24,370,000 |
| Interest expense | 3,029,000 | 5,734,000 | 8,282,000 | 10,616,000 |
| Net interest income | 3,585,000 | 7,351,000 | 10,695,000 | 13,754,000 |
| Noninterest income | 662,000 | 1,049,000 | 2,231,000 | 3,434,000 |
| Noninterest expense | 4,228,000 | 8,543,000 | 13,052,000 | 17,859,000 |
| Provision for loan losses | 355,000 | 1,895,000 | 2,705,000 | 3,407,000 |
| Pretax income | -336,000 | -2,038,000 | -34,000 | 825,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -336,000 | -2,038,000 | -34,000 | 825,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,035,000 | 34,334,000 | 36,338,000 | 37,197,000 |
| Total capital | 40,236,000 | 38,412,000 | 40,295,000 | 40,945,000 |
| Risk-weighted assets | 332,271,000 | 321,480,000 | 313,237,000 | 296,849,000 |