Call reports 2012
NORTHWEST GEORGIA BANK — 2012
What NORTHWEST GEORGIA BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 523,394,000 | 494,224,000 | 449,640,000 | 451,378,000 |
| Total loans | 204,508,000 | 188,213,000 | 173,450,000 | 153,301,000 |
| Allowance for loan losses | 10,675,000 | 8,023,000 | 6,569,000 | 6,238,000 |
| Securities available for sale | 216,509,000 | 206,090,000 | 200,925,000 | 205,693,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 429,050,000 | 400,105,000 | 363,561,000 | 368,774,000 |
| Interest-bearing deposits | 379,825,000 | 351,310,000 | 316,721,000 | 322,338,000 |
| Noninterest-bearing deposits | 49,225,000 | 48,795,000 | 46,840,000 | 46,436,000 |
| Equity capital | 29,106,000 | 28,835,000 | 25,460,000 | 21,837,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,632,000 | 8,949,000 | 12,834,000 | 16,248,000 |
| Interest expense | 1,367,000 | 2,567,000 | 3,554,000 | 4,391,000 |
| Net interest income | 3,265,000 | 6,382,000 | 9,280,000 | 11,857,000 |
| Noninterest income | 882,000 | 1,799,000 | 1,327,000 | 1,711,000 |
| Noninterest expense | 5,035,000 | 9,659,000 | 14,511,000 | 19,195,000 |
| Provision for loan losses | 1,226,000 | 2,647,000 | 4,039,000 | 4,033,000 |
| Pretax income | -1,389,000 | -2,702,000 | -5,987,000 | -7,704,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,389,000 | -2,702,000 | -5,987,000 | -7,704,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,623,000 | 23,810,000 | 20,526,000 | 18,808,000 |
| Total capital | 27,689,000 | 26,717,000 | 23,237,000 | 21,335,000 |
| Risk-weighted assets | 237,165,000 | 227,072,000 | 212,526,000 | 197,881,000 |