Call reports 2005
WEST CENTRAL GEORGIA BANK — 2005
What WEST CENTRAL GEORGIA BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 88,361,000 | 84,766,000 | 83,707,000 | 87,693,000 |
| Total loans | 43,579,000 | 44,164,000 | 44,635,000 | 46,353,000 |
| Allowance for loan losses | 1,016,000 | 998,000 | 1,050,000 | 1,076,000 |
| Securities available for sale | 32,726,000 | 33,251,000 | 31,677,000 | 30,852,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,514,000 | 68,096,000 | 65,236,000 | 69,139,000 |
| Interest-bearing deposits | 56,945,000 | 57,071,000 | 54,928,000 | 58,963,000 |
| Noninterest-bearing deposits | 11,569,000 | 11,025,000 | 10,308,000 | 10,176,000 |
| Equity capital | 15,144,000 | 15,651,000 | 15,786,000 | 15,900,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,156,000 | 2,349,000 | 3,543,000 | 4,767,000 |
| Interest expense | 371,000 | 758,000 | 1,116,000 | 1,492,000 |
| Net interest income | 785,000 | 1,591,000 | 2,427,000 | 3,275,000 |
| Noninterest income | 167,000 | 336,000 | 511,000 | 685,000 |
| Noninterest expense | 527,000 | 1,089,000 | 1,665,000 | 2,216,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 410,000 | 808,000 | 1,228,000 | 1,684,000 |
| Income tax | 86,000 | 180,000 | 271,000 | 419,000 |
| Net income | 324,000 | 628,000 | 957,000 | 1,265,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,120,000 | 15,424,000 | 15,755,000 | 15,965,000 |
| Total capital | 15,730,000 | 16,027,000 | 16,364,000 | 16,604,000 |
| Risk-weighted assets | 48,409,000 | 47,870,000 | 48,242,000 | 50,716,000 |
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