Call reports 2006
WEST CENTRAL GEORGIA BANK — 2006
What WEST CENTRAL GEORGIA BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 86,390,000 | 84,247,000 | 86,001,000 | 86,628,000 |
| Total loans | 46,278,000 | 46,597,000 | 47,837,000 | 48,338,000 |
| Allowance for loan losses | 1,087,000 | 1,080,000 | 1,101,000 | 1,086,000 |
| Securities available for sale | 31,309,000 | 31,493,000 | 28,399,000 | 24,957,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,478,000 | 66,023,000 | 63,030,000 | 68,508,000 |
| Interest-bearing deposits | 59,482,000 | 56,810,000 | 54,411,000 | 59,401,000 |
| Noninterest-bearing deposits | 9,996,000 | 9,213,000 | 8,619,000 | 9,107,000 |
| Equity capital | 15,975,000 | 16,103,000 | 16,751,000 | 17,092,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,264,000 | 2,576,000 | 3,906,000 | 5,259,000 |
| Interest expense | 445,000 | 912,000 | 1,405,000 | 1,929,000 |
| Net interest income | 819,000 | 1,664,000 | 2,501,000 | 3,330,000 |
| Noninterest income | 184,000 | 366,000 | 558,000 | 772,000 |
| Noninterest expense | 596,000 | 1,163,000 | 1,776,000 | 2,347,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 45,000 |
| Pretax income | 392,000 | 837,000 | 1,238,000 | 1,713,000 |
| Income tax | 109,000 | 217,000 | 326,000 | 427,000 |
| Net income | 283,000 | 620,000 | 912,000 | 1,286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,146,000 | 16,482,000 | 16,775,000 | 17,148,000 |
| Total capital | 16,785,000 | 17,118,000 | 17,444,000 | 17,818,000 |
| Risk-weighted assets | 50,645,000 | 50,419,000 | 53,127,000 | 53,169,000 |
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