Call reports 2019
WEST CENTRAL GEORGIA BANK — 2019
What WEST CENTRAL GEORGIA BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 130,583,000 | 130,106,000 | 119,820,000 | 120,538,000 |
| Total loans | 44,392,000 | 43,944,000 | 43,732,000 | 45,095,000 |
| Allowance for loan losses | 1,275,000 | 1,280,000 | 1,286,000 | 1,290,000 |
| Securities available for sale | 58,932,000 | 58,267,000 | 57,606,000 | 57,742,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,191,000 | 95,393,000 | 84,548,000 | 84,873,000 |
| Interest-bearing deposits | 77,259,000 | 74,460,000 | 63,644,000 | 64,138,000 |
| Noninterest-bearing deposits | 19,932,000 | 20,933,000 | 20,904,000 | 20,734,000 |
| Equity capital | 31,518,000 | 32,798,000 | 33,255,000 | 33,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,228,000 | 2,456,000 | 3,636,000 | 4,803,000 |
| Interest expense | 118,000 | 243,000 | 342,000 | 445,000 |
| Net interest income | 1,110,000 | 2,213,000 | 3,294,000 | 4,358,000 |
| Noninterest income | 240,000 | 452,000 | 675,000 | 896,000 |
| Noninterest expense | 854,000 | 1,641,000 | 2,487,000 | 3,262,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 499,000 | 1,024,000 | 1,480,000 | 1,982,000 |
| Income tax | 85,000 | 171,000 | 256,000 | 361,000 |
| Net income | 414,000 | 853,000 | 1,224,000 | 1,621,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,122,000 | 32,561,000 | 32,931,000 | 33,152,000 |
| Total capital | 32,860,000 | 33,295,000 | 33,644,000 | 33,875,000 |
| Risk-weighted assets | 58,541,000 | 58,173,000 | 56,613,000 | 57,291,000 |