Call reports 2012
WEST CENTRAL GEORGIA BANK — 2012
What WEST CENTRAL GEORGIA BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 115,725,000 | 113,865,000 | 112,144,000 | 113,196,000 |
| Total loans | 56,494,000 | 54,064,000 | 51,967,000 | 51,354,000 |
| Allowance for loan losses | 1,028,000 | 1,112,000 | 994,000 | 966,000 |
| Securities available for sale | 39,187,000 | 40,527,000 | 44,672,000 | 42,966,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,714,000 | 87,427,000 | 84,362,000 | 85,918,000 |
| Interest-bearing deposits | 76,417,000 | 73,272,000 | 70,426,000 | 73,773,000 |
| Noninterest-bearing deposits | 13,297,000 | 14,155,000 | 13,936,000 | 12,145,000 |
| Equity capital | 24,668,000 | 25,128,000 | 25,666,000 | 25,856,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,248,000 | 2,503,000 | 3,726,000 | 4,928,000 |
| Interest expense | 144,000 | 276,000 | 395,000 | 505,000 |
| Net interest income | 1,104,000 | 2,227,000 | 3,331,000 | 4,423,000 |
| Noninterest income | 196,000 | 379,000 | 563,000 | 723,000 |
| Noninterest expense | 682,000 | 1,436,000 | 2,113,000 | 2,894,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 580,000 | 1,057,000 | 1,593,000 | 1,989,000 |
| Income tax | 136,000 | 273,000 | 384,000 | 448,000 |
| Net income | 444,000 | 784,000 | 1,209,000 | 1,541,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,016,000 | 24,357,000 | 24,781,000 | 24,976,000 |
| Total capital | 24,831,000 | 25,157,000 | 25,551,000 | 25,738,000 |
| Risk-weighted assets | 65,022,000 | 63,654,000 | 61,322,000 | 60,763,000 |