Call reports 2025
WEST CENTRAL GEORGIA BANK — 2025
What WEST CENTRAL GEORGIA BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 155,694,000 | 157,363,000 | 158,677,000 | 157,582,000 |
| Total loans | 77,569,000 | 77,393,000 | 80,189,000 | 79,268,000 |
| Allowance for loan losses | 1,654,000 | 1,696,000 | 1,710,000 | 1,738,000 |
| Securities available for sale | 52,371,000 | 51,247,000 | 50,378,000 | 48,730,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,571,000 | 121,988,000 | 122,537,000 | 121,086,000 |
| Interest-bearing deposits | 86,859,000 | 88,641,000 | 90,181,000 | 88,371,000 |
| Noninterest-bearing deposits | 33,712,000 | 33,347,000 | 32,356,000 | 32,715,000 |
| Equity capital | 32,383,000 | 32,575,000 | 33,467,000 | 33,837,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,887,000 | 3,871,000 | 5,943,000 | 8,009,000 |
| Interest expense | 382,000 | 788,000 | 1,201,000 | 1,616,000 |
| Net interest income | 1,505,000 | 3,083,000 | 4,742,000 | 6,393,000 |
| Noninterest income | 294,000 | 589,000 | 897,000 | 1,207,000 |
| Noninterest expense | 1,171,000 | 2,264,000 | 3,345,000 | 4,385,000 |
| Provision for loan losses | 42,000 | 104,000 | 167,000 | 209,000 |
| Pretax income | 586,000 | 1,304,000 | 2,127,000 | 3,006,000 |
| Income tax | 137,000 | 274,000 | 418,000 | 601,000 |
| Net income | 449,000 | 1,030,000 | 1,709,000 | 2,405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,823,000 | 35,904,000 | 36,083,000 | 36,279,000 |