Call reports 2017
WEST CENTRAL GEORGIA BANK — 2017
What WEST CENTRAL GEORGIA BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 123,668,000 | 123,290,000 | 121,408,000 | 124,742,000 |
| Total loans | 45,010,000 | 44,249,000 | 44,265,000 | 43,220,000 |
| Allowance for loan losses | 1,246,000 | 1,270,000 | 1,279,000 | 1,245,000 |
| Securities available for sale | 58,312,000 | 62,357,000 | 63,371,000 | 61,985,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,754,000 | 91,554,000 | 88,554,000 | 93,126,000 |
| Interest-bearing deposits | 73,581,000 | 72,549,000 | 69,594,000 | 74,756,000 |
| Noninterest-bearing deposits | 19,173,000 | 19,005,000 | 18,960,000 | 18,370,000 |
| Equity capital | 29,315,000 | 30,188,000 | 30,508,000 | 30,017,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,105,000 | 2,224,000 | 3,365,000 | 4,500,000 |
| Interest expense | 58,000 | 122,000 | 188,000 | 258,000 |
| Net interest income | 1,047,000 | 2,102,000 | 3,177,000 | 4,242,000 |
| Noninterest income | 175,000 | 366,000 | 569,000 | 778,000 |
| Noninterest expense | 826,000 | 1,575,000 | 2,387,000 | 3,124,000 |
| Provision for loan losses | 15,000 | 30,000 | 33,000 | 36,000 |
| Pretax income | 381,000 | 867,000 | 1,330,000 | 1,864,000 |
| Income tax | 113,000 | 225,000 | 340,000 | 739,000 |
| Net income | 268,000 | 642,000 | 990,000 | 1,125,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,812,000 | 30,185,000 | 30,534,000 | 30,503,000 |
| Total capital | 30,564,000 | 30,927,000 | 31,271,000 | 31,241,000 |
| Risk-weighted assets | 59,687,000 | 58,841,000 | 58,341,000 | 58,567,000 |