Call reports 2022
WEST CENTRAL GEORGIA BANK — 2022
What WEST CENTRAL GEORGIA BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 150,065,000 | 147,774,000 | 151,194,000 | 147,612,000 |
| Total loans | 48,029,000 | 51,703,000 | 53,827,000 | 57,305,000 |
| Allowance for loan losses | 1,333,000 | 1,339,000 | 1,338,000 | 1,333,000 |
| Securities available for sale | 64,036,000 | 63,583,000 | 62,667,000 | 61,485,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,364,000 | 114,194,000 | 117,782,000 | 113,673,000 |
| Interest-bearing deposits | 81,097,000 | 81,243,000 | 83,349,000 | 79,949,000 |
| Noninterest-bearing deposits | 33,267,000 | 32,951,000 | 34,433,000 | 33,723,000 |
| Equity capital | 33,702,000 | 31,624,000 | 31,439,000 | 31,898,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,039,000 | 2,164,000 | 3,416,000 | 4,791,000 |
| Interest expense | 38,000 | 71,000 | 102,000 | 139,000 |
| Net interest income | 1,001,000 | 2,093,000 | 3,314,000 | 4,652,000 |
| Noninterest income | 278,000 | 534,000 | 824,000 | 1,109,000 |
| Noninterest expense | 804,000 | 1,601,000 | 2,463,000 | 3,345,000 |
| Provision for loan losses | 6,000 | 7,000 | 7,000 | 7,000 |
| Pretax income | 469,000 | 1,019,000 | 1,668,000 | 2,409,000 |
| Income tax | 77,000 | 154,000 | 246,000 | 464,000 |
| Net income | 392,000 | 865,000 | 1,422,000 | 1,945,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,528,000 | 36,001,000 | 36,558,000 | 36,886,000 |