Call reports 2015
COMMUNITY BANK & TRUST - WEST GEORGIA — 2015
What COMMUNITY BANK & TRUST - WEST GEORGIA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 91,258,000 | 91,739,000 | 87,526,000 | 86,562,000 |
| Total loans | 54,150,000 | 54,411,000 | 55,758,000 | 51,939,000 |
| Allowance for loan losses | 520,000 | 523,000 | 526,000 | 526,000 |
| Securities available for sale | 11,021,000 | 10,603,000 | 10,798,000 | 10,588,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,684,000 | 87,380,000 | 82,821,000 | 82,542,000 |
| Interest-bearing deposits | 66,962,000 | 64,906,000 | 63,470,000 | 62,669,000 |
| Noninterest-bearing deposits | 19,722,000 | 22,474,000 | 19,351,000 | 19,873,000 |
| Equity capital | 4,213,000 | 3,909,000 | 4,341,000 | 3,805,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 957,000 | 1,811,000 | 2,718,000 | 3,598,000 |
| Interest expense | 80,000 | 154,000 | 224,000 | 289,000 |
| Net interest income | 877,000 | 1,657,000 | 2,494,000 | 3,309,000 |
| Noninterest income | 792,000 | 1,025,000 | 1,522,000 | 1,680,000 |
| Noninterest expense | 1,103,000 | 2,190,000 | 3,243,000 | 4,332,000 |
| Provision for loan losses | 0 | 0 | 0 | 363,000 |
| Pretax income | 566,000 | 507,000 | 803,000 | 324,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 566,000 | 507,000 | 803,000 | 324,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,137,000 | 4,078,000 | 4,373,000 | 3,895,000 |
| Total capital | 4,657,000 | 4,601,000 | 4,899,000 | 4,421,000 |
| Risk-weighted assets | 60,902,000 | 62,405,000 | 62,753,000 | 58,070,000 |