Call reports 2014
NORTHWEST GEORGIA BANK — 2014
What NORTHWEST GEORGIA BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 365,566,000 | 337,558,000 | 294,698,000 | 282,397,000 |
| Total loans | 115,284,000 | 112,468,000 | 108,445,000 | 107,096,000 |
| Allowance for loan losses | 4,922,000 | 4,920,000 | 4,437,000 | 4,267,000 |
| Securities available for sale | 171,148,000 | 147,718,000 | 145,670,000 | 132,113,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 335,221,000 | 307,370,000 | 265,919,000 | 252,224,000 |
| Interest-bearing deposits | 289,259,000 | 263,824,000 | 220,404,000 | 210,590,000 |
| Noninterest-bearing deposits | 45,962,000 | 43,546,000 | 45,515,000 | 41,634,000 |
| Equity capital | 5,245,000 | 7,789,000 | 6,164,000 | 8,207,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,802,000 | 5,407,000 | 7,867,000 | 10,059,000 |
| Interest expense | 402,000 | 773,000 | 1,094,000 | 1,390,000 |
| Net interest income | 2,400,000 | 4,634,000 | 6,773,000 | 8,669,000 |
| Noninterest income | 817,000 | 1,989,000 | 2,322,000 | 3,784,000 |
| Noninterest expense | 3,873,000 | 7,710,000 | 11,473,000 | 14,910,000 |
| Provision for loan losses | 312,000 | 312,000 | 312,000 | 312,000 |
| Pretax income | -955,000 | -1,319,000 | -2,611,000 | -2,687,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -955,000 | -1,319,000 | -2,611,000 | -2,687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,031,000 | 11,668,000 | 10,375,000 | 10,299,000 |
| Total capital | 14,150,000 | 13,696,000 | 12,321,000 | 12,192,000 |
| Risk-weighted assets | 166,713,000 | 159,319,000 | 153,230,000 | 149,178,000 |