Call reports 2008
WEST CENTRAL GEORGIA BANK — 2008
What WEST CENTRAL GEORGIA BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 94,852,000 | 91,726,000 | 89,664,000 | 91,940,000 |
| Total loans | 46,526,000 | 45,892,000 | 46,526,000 | 47,011,000 |
| Allowance for loan losses | 967,000 | 959,000 | 992,000 | 964,000 |
| Securities available for sale | 34,194,000 | 34,738,000 | 35,202,000 | 36,744,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,463,000 | 71,914,000 | 68,947,000 | 71,327,000 |
| Interest-bearing deposits | 64,158,000 | 62,465,000 | 58,680,000 | 61,991,000 |
| Noninterest-bearing deposits | 10,305,000 | 9,449,000 | 10,267,000 | 9,336,000 |
| Equity capital | 18,936,000 | 18,740,000 | 18,886,000 | 19,283,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,417,000 | 2,797,000 | 4,140,000 | 5,452,000 |
| Interest expense | 507,000 | 951,000 | 1,370,000 | 1,744,000 |
| Net interest income | 910,000 | 1,846,000 | 2,770,000 | 3,708,000 |
| Noninterest income | 225,000 | 443,000 | 661,000 | 213,000 |
| Noninterest expense | 659,000 | 1,299,000 | 2,005,000 | 2,711,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 467,000 | 972,000 | 1,399,000 | 1,174,000 |
| Income tax | 106,000 | 213,000 | 319,000 | 411,000 |
| Net income | 361,000 | 759,000 | 1,080,000 | 763,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,745,000 | 19,143,000 | 19,464,000 | 19,147,000 |
| Total capital | 19,428,000 | 19,813,000 | 20,126,000 | 19,818,000 |
| Risk-weighted assets | 54,343,000 | 53,370,000 | 52,608,000 | 53,271,000 |
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