Call reports 2013
WEST CENTRAL GEORGIA BANK — 2013
What WEST CENTRAL GEORGIA BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 115,146,000 | 114,930,000 | 111,044,000 | 109,561,000 |
| Total loans | 50,561,000 | 50,781,000 | 50,519,000 | 49,384,000 |
| Allowance for loan losses | 1,035,000 | 1,116,000 | 1,173,000 | 1,208,000 |
| Securities available for sale | 46,065,000 | 49,092,000 | 48,160,000 | 47,005,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,778,000 | 86,963,000 | 82,663,000 | 83,070,000 |
| Interest-bearing deposits | 73,969,000 | 72,780,000 | 69,145,000 | 70,564,000 |
| Noninterest-bearing deposits | 13,809,000 | 14,183,000 | 13,518,000 | 12,506,000 |
| Equity capital | 25,946,000 | 24,984,000 | 25,384,000 | 25,389,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,148,000 | 2,324,000 | 3,515,000 | 4,673,000 |
| Interest expense | 94,000 | 184,000 | 264,000 | 342,000 |
| Net interest income | 1,054,000 | 2,140,000 | 3,251,000 | 4,331,000 |
| Noninterest income | 191,000 | 377,000 | 577,000 | 759,000 |
| Noninterest expense | 676,000 | 1,405,000 | 2,086,000 | 2,851,000 |
| Provision for loan losses | 75,000 | 150,000 | 210,000 | 255,000 |
| Pretax income | 494,000 | 962,000 | 1,532,000 | 1,984,000 |
| Income tax | 94,000 | 188,000 | 294,000 | 462,000 |
| Net income | 400,000 | 774,000 | 1,238,000 | 1,522,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,233,000 | 25,607,000 | 26,072,000 | 26,356,000 |
| Total capital | 25,992,000 | 26,389,000 | 26,832,000 | 27,102,000 |
| Risk-weighted assets | 60,439,000 | 62,845,000 | 60,388,000 | 59,411,000 |