Call reports 2016
COMMUNITY BANK & TRUST - WEST GEORGIA — 2016
What COMMUNITY BANK & TRUST - WEST GEORGIA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 84,174,000 | 85,620,000 | 84,747,000 | 85,274,000 |
| Total loans | 48,987,000 | 48,235,000 | 50,058,000 | 51,262,000 |
| Allowance for loan losses | 513,000 | 489,000 | 490,000 | 291,000 |
| Securities available for sale | 11,482,000 | 10,595,000 | 10,442,000 | 9,705,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,987,000 | 81,474,000 | 80,618,000 | 82,089,000 |
| Interest-bearing deposits | 61,796,000 | 62,476,000 | 62,478,000 | 61,840,000 |
| Noninterest-bearing deposits | 18,191,000 | 18,998,000 | 18,140,000 | 20,249,000 |
| Equity capital | 3,892,000 | 3,825,000 | 3,781,000 | 3,029,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 815,000 | 1,614,000 | 2,418,000 | 3,235,000 |
| Interest expense | 61,000 | 121,000 | 181,000 | 240,000 |
| Net interest income | 754,000 | 1,493,000 | 2,237,000 | 2,995,000 |
| Noninterest income | 259,000 | 506,000 | 762,000 | 1,006,000 |
| Noninterest expense | 1,096,000 | 2,214,000 | 3,296,000 | 4,322,000 |
| Provision for loan losses | 0 | 0 | 0 | 240,000 |
| Pretax income | -68,000 | -124,000 | -190,000 | -454,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -68,000 | -124,000 | -190,000 | -454,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,826,000 | 3,771,000 | 3,705,000 | 3,441,000 |
| Total capital | 4,339,000 | 4,260,000 | 4,195,000 | 3,732,000 |
| Risk-weighted assets | 55,890,000 | 55,897,000 | 57,014,000 | 58,008,000 |