Call reports 2015
WEST CENTRAL GEORGIA BANK — 2015
What WEST CENTRAL GEORGIA BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 118,414,000 | 117,594,000 | 117,463,000 | 118,601,000 |
| Total loans | 46,128,000 | 46,816,000 | 46,931,000 | 45,779,000 |
| Allowance for loan losses | 1,252,000 | 1,268,000 | 1,285,000 | 1,272,000 |
| Securities available for sale | 52,195,000 | 51,741,000 | 50,104,000 | 49,187,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,963,000 | 88,253,000 | 87,434,000 | 88,323,000 |
| Interest-bearing deposits | 72,928,000 | 72,040,000 | 68,956,000 | 72,414,000 |
| Noninterest-bearing deposits | 16,035,000 | 16,213,000 | 18,478,000 | 15,909,000 |
| Equity capital | 28,046,000 | 27,907,000 | 28,573,000 | 28,785,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,113,000 | 2,230,000 | 3,381,000 | 4,491,000 |
| Interest expense | 61,000 | 120,000 | 180,000 | 239,000 |
| Net interest income | 1,052,000 | 2,110,000 | 3,201,000 | 4,252,000 |
| Noninterest income | 202,000 | 381,000 | 572,000 | 781,000 |
| Noninterest expense | 770,000 | 1,616,000 | 2,421,000 | 3,225,000 |
| Provision for loan losses | 21,000 | 42,000 | 60,000 | 60,000 |
| Pretax income | 463,000 | 844,000 | 1,303,000 | 1,760,000 |
| Income tax | 86,000 | 178,000 | 279,000 | 404,000 |
| Net income | 377,000 | 666,000 | 1,024,000 | 1,356,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,684,000 | 27,972,000 | 28,330,000 | 28,507,000 |
| Total capital | 28,417,000 | 28,714,000 | 29,091,000 | 29,244,000 |
| Risk-weighted assets | 58,142,000 | 58,803,000 | 60,365,000 | 58,408,000 |