Call reports 2004
WEST CENTRAL GEORGIA BANK — 2004
What WEST CENTRAL GEORGIA BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 89,762,000 | 85,404,000 | 84,549,000 | 85,152,000 |
| Total loans | 41,952,000 | 41,634,000 | 42,683,000 | 43,361,000 |
| Allowance for loan losses | 911,000 | 952,000 | 966,000 | 1,022,000 |
| Securities available for sale | 34,047,000 | 36,043,000 | 34,841,000 | 32,963,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,909,000 | 66,039,000 | 62,663,000 | 64,926,000 |
| Interest-bearing deposits | 58,824,000 | 55,924,000 | 52,620,000 | 55,677,000 |
| Noninterest-bearing deposits | 11,085,000 | 10,115,000 | 10,043,000 | 9,249,000 |
| Equity capital | 14,702,000 | 14,348,000 | 15,065,000 | 15,179,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,134,000 | 2,273,000 | 3,424,000 | 4,560,000 |
| Interest expense | 379,000 | 744,000 | 1,063,000 | 1,398,000 |
| Net interest income | 755,000 | 1,529,000 | 2,361,000 | 3,162,000 |
| Noninterest income | 161,000 | 311,000 | 474,000 | 633,000 |
| Noninterest expense | 548,000 | 1,140,000 | 1,677,000 | 2,224,000 |
| Provision for loan losses | 24,000 | 48,000 | 64,000 | 64,000 |
| Pretax income | 344,000 | 652,000 | 1,094,000 | 1,507,000 |
| Income tax | 77,000 | 135,000 | 212,000 | 335,000 |
| Net income | 267,000 | 517,000 | 882,000 | 1,172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,989,000 | 14,239,000 | 14,604,000 | 14,894,000 |
| Total capital | 14,600,000 | 14,838,000 | 15,202,000 | 15,495,000 |
| Risk-weighted assets | 48,572,000 | 47,578,000 | 47,505,000 | 47,680,000 |
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