Call reports 2014
WEST CENTRAL GEORGIA BANK — 2014
What WEST CENTRAL GEORGIA BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 113,776,000 | 117,306,000 | 108,274,000 | 112,241,000 |
| Total loans | 49,382,000 | 48,632,000 | 47,125,000 | 46,744,000 |
| Allowance for loan losses | 1,255,000 | 1,298,000 | 1,242,000 | 1,231,000 |
| Securities available for sale | 48,233,000 | 49,599,000 | 49,219,000 | 48,299,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,492,000 | 84,213,000 | 79,481,000 | 83,327,000 |
| Interest-bearing deposits | 70,679,000 | 69,359,000 | 65,077,000 | 69,116,000 |
| Noninterest-bearing deposits | 15,813,000 | 14,854,000 | 14,404,000 | 14,211,000 |
| Equity capital | 26,099,000 | 26,791,000 | 27,209,000 | 27,693,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,108,000 | 2,238,000 | 3,355,000 | 4,456,000 |
| Interest expense | 68,000 | 136,000 | 200,000 | 260,000 |
| Net interest income | 1,040,000 | 2,102,000 | 3,155,000 | 4,196,000 |
| Noninterest income | 189,000 | 362,000 | 530,000 | 698,000 |
| Noninterest expense | 714,000 | 1,501,000 | 2,271,000 | 3,101,000 |
| Provision for loan losses | 45,000 | 90,000 | 120,000 | 135,000 |
| Pretax income | 470,000 | 875,000 | 1,298,000 | 1,662,000 |
| Income tax | 115,000 | 229,000 | 335,000 | 359,000 |
| Net income | 355,000 | 646,000 | 963,000 | 1,303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,562,000 | 26,853,000 | 27,170,000 | 27,510,000 |
| Total capital | 27,317,000 | 27,608,000 | 27,885,000 | 28,231,000 |
| Risk-weighted assets | 59,867,000 | 59,825,000 | 56,667,000 | 57,176,000 |