Call reports 2009
WEST CENTRAL GEORGIA BANK — 2009
What WEST CENTRAL GEORGIA BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 94,489,000 | 96,020,000 | 95,929,000 | 102,563,000 |
| Total loans | 47,287,000 | 49,992,000 | 51,484,000 | 52,207,000 |
| Allowance for loan losses | 941,000 | 959,000 | 979,000 | 953,000 |
| Securities available for sale | 38,703,000 | 36,806,000 | 38,035,000 | 33,093,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,461,000 | 72,822,000 | 72,959,000 | 80,699,000 |
| Interest-bearing deposits | 63,828,000 | 61,653,000 | 62,139,000 | 67,983,000 |
| Noninterest-bearing deposits | 10,633,000 | 11,169,000 | 10,820,000 | 12,716,000 |
| Equity capital | 19,274,000 | 19,753,000 | 20,808,000 | 20,777,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,275,000 | 2,608,000 | 3,962,000 | 5,303,000 |
| Interest expense | 322,000 | 614,000 | 895,000 | 1,169,000 |
| Net interest income | 953,000 | 1,994,000 | 3,067,000 | 4,134,000 |
| Noninterest income | 209,000 | 411,000 | 618,000 | 834,000 |
| Noninterest expense | 716,000 | 1,397,000 | 2,159,000 | 2,876,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 416,000 | 948,000 | 1,436,000 | 1,976,000 |
| Income tax | 99,000 | 178,000 | 268,000 | 427,000 |
| Net income | 317,000 | 770,000 | 1,168,000 | 1,549,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,344,000 | 19,797,000 | 20,195,000 | 20,575,000 |
| Total capital | 20,026,000 | 20,505,000 | 20,914,000 | 21,310,000 |
| Risk-weighted assets | 54,163,000 | 56,432,000 | 57,294,000 | 58,581,000 |
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