Call reports 2011
WEST CENTRAL GEORGIA BANK — 2011
What WEST CENTRAL GEORGIA BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 112,931,000 | 112,095,000 | 111,121,000 | 114,621,000 |
| Total loans | 58,139,000 | 57,995,000 | 57,187,000 | 56,608,000 |
| Allowance for loan losses | 1,013,000 | 1,043,000 | 1,089,000 | 952,000 |
| Securities available for sale | 37,353,000 | 40,311,000 | 39,423,000 | 37,333,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,374,000 | 87,466,000 | 85,894,000 | 89,020,000 |
| Interest-bearing deposits | 74,060,000 | 72,662,000 | 72,141,000 | 75,163,000 |
| Noninterest-bearing deposits | 15,314,000 | 14,804,000 | 13,753,000 | 13,857,000 |
| Equity capital | 22,372,000 | 23,193,000 | 23,923,000 | 24,351,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,315,000 | 2,659,000 | 4,002,000 | 5,291,000 |
| Interest expense | 218,000 | 408,000 | 580,000 | 738,000 |
| Net interest income | 1,097,000 | 2,251,000 | 3,422,000 | 4,553,000 |
| Noninterest income | 226,000 | 421,000 | 633,000 | 816,000 |
| Noninterest expense | 712,000 | 1,397,000 | 2,104,000 | 2,821,000 |
| Provision for loan losses | 36,000 | 80,000 | 140,000 | 200,000 |
| Pretax income | 575,000 | 1,195,000 | 1,811,000 | 2,348,000 |
| Income tax | 142,000 | 283,000 | 425,000 | 565,000 |
| Net income | 433,000 | 912,000 | 1,386,000 | 1,783,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,360,000 | 22,839,000 | 23,312,000 | 23,710,000 |
| Total capital | 23,182,000 | 23,658,000 | 24,123,000 | 24,520,000 |
| Risk-weighted assets | 65,595,000 | 65,333,000 | 64,592,000 | 64,704,000 |