Call reports 2015
NORTHWEST GEORGIA BANK — 2015
What NORTHWEST GEORGIA BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 |
|---|---|---|
| Total assets | 297,898,000 | 285,985,000 |
| Total loans | 98,729,000 | 95,568,000 |
| Allowance for loan losses | 4,391,000 | 4,293,000 |
| Securities available for sale | 129,538,000 | 143,144,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 267,368,000 | 259,038,000 |
| Interest-bearing deposits | 223,084,000 | 213,442,000 |
| Noninterest-bearing deposits | 44,284,000 | 45,596,000 |
| Equity capital | 8,714,000 | 6,030,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 |
|---|---|---|
| Interest income | 2,019,000 | 3,994,000 |
| Interest expense | 282,000 | 539,000 |
| Net interest income | 1,737,000 | 3,455,000 |
| Noninterest income | 903,000 | 1,713,000 |
| Noninterest expense | 3,196,000 | 6,366,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | -556,000 | -1,198,000 |
| Income tax | 0 | 0 |
| Net income | -556,000 | -1,198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 |
|---|---|---|
| Tier 1 capital | 9,743,000 | 9,101,000 |
| Total capital | 11,547,000 | 10,896,000 |
| Risk-weighted assets | 141,805,000 | 141,125,000 |