Call reports 2013
NORTHWEST GEORGIA BANK — 2013
What NORTHWEST GEORGIA BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 435,422,000 | 385,138,000 | 369,663,000 | 354,204,000 |
| Total loans | 144,427,000 | 139,239,000 | 137,819,000 | 121,669,000 |
| Allowance for loan losses | 5,898,000 | 5,784,000 | 5,571,000 | 5,406,000 |
| Securities available for sale | 208,960,000 | 143,242,000 | 172,973,000 | 163,542,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 366,708,000 | 351,665,000 | 335,459,000 | 325,172,000 |
| Interest-bearing deposits | 322,668,000 | 306,292,000 | 288,895,000 | 278,344,000 |
| Noninterest-bearing deposits | 44,040,000 | 45,373,000 | 46,564,000 | 46,828,000 |
| Equity capital | 17,299,000 | 7,967,000 | 8,524,000 | 3,862,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,919,000 | 5,884,000 | 8,777,000 | 11,744,000 |
| Interest expense | 740,000 | 1,373,000 | 1,921,000 | 2,359,000 |
| Net interest income | 2,179,000 | 4,511,000 | 6,856,000 | 9,385,000 |
| Noninterest income | 551,000 | -232,000 | 1,101,000 | 1,079,000 |
| Noninterest expense | 4,431,000 | 9,148,000 | 13,452,000 | 17,721,000 |
| Provision for loan losses | 334,000 | 221,000 | 598,000 | 598,000 |
| Pretax income | -1,343,000 | -4,310,000 | -5,313,000 | -7,022,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,343,000 | -4,310,000 | -5,313,000 | -7,022,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,464,000 | 14,497,000 | 14,695,000 | 12,986,000 |
| Total capital | 20,007,000 | 16,972,000 | 17,129,000 | 15,198,000 |
| Risk-weighted assets | 199,531,000 | 194,143,000 | 190,905,000 | 173,023,000 |