Call reports 2003
WEST CENTRAL GEORGIA BANK — 2003
What WEST CENTRAL GEORGIA BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 87,729,000 | 86,314,000 | 83,231,000 | 83,979,000 |
| Total loans | 42,365,000 | 42,006,000 | 41,468,000 | 40,874,000 |
| Allowance for loan losses | 840,000 | 830,000 | 853,000 | 868,000 |
| Securities available for sale | 33,376,000 | 35,913,000 | 35,741,000 | 35,554,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,691,000 | 66,496,000 | 63,936,000 | 64,512,000 |
| Interest-bearing deposits | 59,151,000 | 57,865,000 | 55,250,000 | 54,987,000 |
| Noninterest-bearing deposits | 9,540,000 | 8,631,000 | 8,686,000 | 9,525,000 |
| Equity capital | 13,741,000 | 14,231,000 | 14,182,000 | 14,390,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,198,000 | 2,417,000 | 3,567,000 | 4,703,000 |
| Interest expense | 453,000 | 876,000 | 1,258,000 | 1,625,000 |
| Net interest income | 745,000 | 1,541,000 | 2,309,000 | 3,078,000 |
| Noninterest income | 168,000 | 332,000 | 492,000 | 649,000 |
| Noninterest expense | 511,000 | 1,075,000 | 1,609,000 | 2,195,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 96,000 |
| Pretax income | 378,000 | 750,000 | 1,120,000 | 1,442,000 |
| Income tax | 65,000 | 130,000 | 217,000 | 297,000 |
| Net income | 313,000 | 620,000 | 903,000 | 1,145,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,981,000 | 13,288,000 | 13,571,000 | 13,813,000 |
| Total capital | 13,565,000 | 13,858,000 | 14,143,000 | 14,391,000 |
| Risk-weighted assets | 46,480,000 | 45,362,000 | 45,485,000 | 45,965,000 |
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