Call reports 2009
COMMUNITY BANK & TRUST - WEST GEORGIA — 2009
What COMMUNITY BANK & TRUST - WEST GEORGIA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 135,167,000 | 134,925,000 | 122,666,000 | 113,069,000 |
| Total loans | 82,875,000 | 80,396,000 | 77,788,000 | 75,667,000 |
| Allowance for loan losses | 2,127,000 | 1,658,000 | 1,458,000 | 926,000 |
| Securities available for sale | 19,260,000 | 19,141,000 | 18,995,000 | 17,797,000 |
| Securities held to maturity | 250,000 | 250,000 | 250,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,586,000 | 122,780,000 | 111,678,000 | 102,900,000 |
| Interest-bearing deposits | 104,258,000 | 102,124,000 | 98,816,000 | 91,964,000 |
| Noninterest-bearing deposits | 18,328,000 | 20,656,000 | 12,862,000 | 10,936,000 |
| Equity capital | 11,072,000 | 10,662,000 | 9,775,000 | 8,989,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,450,000 | 2,806,000 | 4,171,000 | 5,520,000 |
| Interest expense | 718,000 | 1,388,000 | 2,014,000 | 2,568,000 |
| Net interest income | 732,000 | 1,418,000 | 2,157,000 | 2,952,000 |
| Noninterest income | 275,000 | 568,000 | 780,000 | 1,063,000 |
| Noninterest expense | 1,398,000 | 2,930,000 | 4,110,000 | 5,569,000 |
| Provision for loan losses | 663,000 | 772,000 | 1,100,000 | 1,289,000 |
| Pretax income | -1,054,000 | -1,738,000 | -2,441,000 | -2,962,000 |
| Income tax | -452,000 | -756,000 | -289,000 | -440,000 |
| Net income | -602,000 | -982,000 | -2,152,000 | -2,522,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,977,000 | 10,597,000 | 9,426,000 | 9,057,000 |
| Total capital | 12,131,000 | 11,731,000 | 10,527,000 | 9,983,000 |
| Risk-weighted assets | 91,382,000 | 90,174,000 | 87,746,000 | 84,976,000 |
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