Call reports 2008
COMMUNITY BANK & TRUST - WEST GEORGIA — 2008
What COMMUNITY BANK & TRUST - WEST GEORGIA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 134,022,000 | 120,333,000 | 121,215,000 | 119,089,000 |
| Total loans | 105,495,000 | 90,018,000 | 90,324,000 | 85,794,000 |
| Allowance for loan losses | 1,262,000 | 1,667,000 | 2,021,000 | 1,840,000 |
| Securities available for sale | 18,505,000 | 18,082,000 | 17,991,000 | 19,344,000 |
| Securities held to maturity | 250,000 | 250,000 | 250,000 | 250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,526,000 | 101,259,000 | 106,262,000 | 99,457,000 |
| Interest-bearing deposits | 103,606,000 | 88,828,000 | 95,642,000 | 87,223,000 |
| Noninterest-bearing deposits | 14,920,000 | 12,431,000 | 10,620,000 | 12,234,000 |
| Equity capital | 12,920,000 | 12,312,000 | 11,719,000 | 11,645,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,314,000 | 4,227,000 | 5,993,000 | 7,529,000 |
| Interest expense | 1,136,000 | 1,974,000 | 2,718,000 | 3,424,000 |
| Net interest income | 1,178,000 | 2,253,000 | 3,275,000 | 4,105,000 |
| Noninterest income | 329,000 | 630,000 | 924,000 | 1,222,000 |
| Noninterest expense | 1,118,000 | 2,356,000 | 3,927,000 | 5,324,000 |
| Provision for loan losses | 173,000 | 921,000 | 1,739,000 | 1,895,000 |
| Pretax income | 216,000 | -394,000 | -1,467,000 | -1,892,000 |
| Income tax | 36,000 | -239,000 | -688,000 | -893,000 |
| Net income | 180,000 | -155,000 | -779,000 | -999,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,758,000 | 12,423,000 | 11,799,000 | 11,579,000 |
| Total capital | 14,020,000 | 13,601,000 | 12,997,000 | 12,738,000 |
| Risk-weighted assets | 106,044,000 | 93,758,000 | 95,031,000 | 92,005,000 |
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