Call reports 2018
WEST CENTRAL GEORGIA BANK — 2018
What WEST CENTRAL GEORGIA BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 126,788,000 | 128,197,000 | 127,726,000 | 128,918,000 |
| Total loans | 42,443,000 | 43,270,000 | 43,965,000 | 45,685,000 |
| Allowance for loan losses | 1,258,000 | 1,267,000 | 1,278,000 | 1,268,000 |
| Securities available for sale | 64,684,000 | 65,136,000 | 63,955,000 | 63,505,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,663,000 | 96,829,000 | 96,140,000 | 96,498,000 |
| Interest-bearing deposits | 76,028,000 | 76,772,000 | 74,213,000 | 77,096,000 |
| Noninterest-bearing deposits | 19,635,000 | 20,058,000 | 21,927,000 | 19,402,000 |
| Equity capital | 29,447,000 | 29,705,000 | 29,849,000 | 30,623,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,129,000 | 2,291,000 | 3,496,000 | 4,735,000 |
| Interest expense | 82,000 | 168,000 | 263,000 | 367,000 |
| Net interest income | 1,047,000 | 2,123,000 | 3,233,000 | 4,368,000 |
| Noninterest income | 217,000 | 425,000 | 652,000 | 874,000 |
| Noninterest expense | 832,000 | 1,583,000 | 2,395,000 | 3,155,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 429,000 | 964,000 | 1,497,000 | 2,085,000 |
| Income tax | 72,000 | 150,000 | 244,000 | 361,000 |
| Net income | 357,000 | 814,000 | 1,253,000 | 1,724,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,688,000 | 31,146,000 | 31,584,000 | 31,885,000 |
| Total capital | 31,428,000 | 31,895,000 | 32,333,000 | 32,644,000 |
| Risk-weighted assets | 58,645,000 | 59,426,000 | 59,457,000 | 60,246,000 |