Call reports 2016
WEST CENTRAL GEORGIA BANK — 2016
What WEST CENTRAL GEORGIA BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 121,058,000 | 118,127,000 | 118,217,000 | 118,469,000 |
| Total loans | 47,702,000 | 47,113,000 | 46,643,000 | 46,638,000 |
| Allowance for loan losses | 1,272,000 | 1,287,000 | 1,259,000 | 1,233,000 |
| Securities available for sale | 47,842,000 | 52,175,000 | 53,789,000 | 55,215,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,218,000 | 86,370,000 | 86,373,000 | 87,880,000 |
| Interest-bearing deposits | 71,123,000 | 68,704,000 | 67,162,000 | 71,100,000 |
| Noninterest-bearing deposits | 19,095,000 | 17,666,000 | 19,211,000 | 16,780,000 |
| Equity capital | 29,176,000 | 29,893,000 | 29,992,000 | 29,135,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,107,000 | 2,223,000 | 3,348,000 | 4,450,000 |
| Interest expense | 61,000 | 117,000 | 171,000 | 224,000 |
| Net interest income | 1,046,000 | 2,106,000 | 3,177,000 | 4,226,000 |
| Noninterest income | 227,000 | 425,000 | 618,000 | 812,000 |
| Noninterest expense | 781,000 | 1,627,000 | 2,458,000 | 3,187,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 48,000 |
| Pretax income | 477,000 | 874,000 | 1,292,000 | 1,803,000 |
| Income tax | 112,000 | 228,000 | 348,000 | 441,000 |
| Net income | 365,000 | 646,000 | 944,000 | 1,362,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,713,000 | 28,994,000 | 29,291,000 | 29,709,000 |
| Total capital | 29,482,000 | 29,751,000 | 30,047,000 | 30,474,000 |
| Risk-weighted assets | 61,039,000 | 60,045,000 | 59,950,000 | 60,706,000 |