Call reports 2026
WEST CENTRAL GEORGIA BANK — 2026
What WEST CENTRAL GEORGIA BANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 162,703,000 | 160,377,000 |
| Total loans | 77,738,000 | 79,467,000 |
| Allowance for loan losses | 1,758,000 | 1,797,000 |
| Securities available for sale | 47,817,000 | 47,239,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 126,140,000 | 123,736,000 |
| Interest-bearing deposits | 92,131,000 | 89,802,000 |
| Noninterest-bearing deposits | 34,009,000 | 33,934,000 |
| Equity capital | 33,910,000 | 34,048,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 1,958,000 | 4,021,000 |
| Interest expense | 400,000 | 805,000 |
| Net interest income | 1,558,000 | 3,216,000 |
| Noninterest income | 323,000 | 637,000 |
| Noninterest expense | 1,075,000 | 2,148,000 |
| Provision for loan losses | 33,000 | 66,000 |
| Pretax income | 773,000 | 1,639,000 |
| Income tax | 137,000 | 319,000 |
| Net income | 636,000 | 1,320,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 36,415,000 | 36,598,000 |