Call reports 2021
WEST CENTRAL GEORGIA BANK — 2021
What WEST CENTRAL GEORGIA BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 145,756,000 | 149,652,000 | 150,913,000 | 150,386,000 |
| Total loans | 47,065,000 | 49,453,000 | 48,639,000 | 49,668,000 |
| Allowance for loan losses | 1,301,000 | 1,312,000 | 1,318,000 | 1,325,000 |
| Securities available for sale | 60,996,000 | 62,120,000 | 63,380,000 | 65,534,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,420,000 | 111,438,000 | 112,164,000 | 112,292,000 |
| Interest-bearing deposits | 76,587,000 | 79,240,000 | 80,078,000 | 81,484,000 |
| Noninterest-bearing deposits | 31,833,000 | 32,199,000 | 32,087,000 | 30,808,000 |
| Equity capital | 35,137,000 | 35,919,000 | 36,412,000 | 35,943,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,047,000 | 2,179,000 | 3,331,000 | 4,408,000 |
| Interest expense | 48,000 | 93,000 | 136,000 | 176,000 |
| Net interest income | 999,000 | 2,086,000 | 3,195,000 | 4,232,000 |
| Noninterest income | 243,000 | 480,000 | 726,000 | 979,000 |
| Noninterest expense | 827,000 | 1,631,000 | 2,487,000 | 3,330,000 |
| Provision for loan losses | 6,000 | 12,000 | 19,000 | 25,000 |
| Pretax income | 410,000 | 923,000 | 1,415,000 | 1,873,000 |
| Income tax | 65,000 | 129,000 | 203,000 | 331,000 |
| Net income | 345,000 | 794,000 | 1,212,000 | 1,542,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,322,000 | 34,770,000 | 35,190,000 | 35,330,000 |