Call reports 2025
COMMUNITY BANK & TRUST - WEST GEORGIA — 2025
What COMMUNITY BANK & TRUST - WEST GEORGIA reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 236,091,000 | 286,013,000 | 274,356,000 | 288,221,000 |
| Total loans | 186,346,000 | 249,332,000 | 177,597,000 | 190,943,000 |
| Allowance for loan losses | 7,375,000 | 11,719,000 | 8,167,000 | 4,689,000 |
| Securities available for sale | 11,247,000 | 11,145,000 | 22,259,000 | 23,430,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,011,000 | 245,624,000 | 256,858,000 | 268,292,000 |
| Interest-bearing deposits | 170,620,000 | 212,032,000 | 225,007,000 | 237,686,000 |
| Noninterest-bearing deposits | 30,391,000 | 33,592,000 | 31,851,000 | 30,606,000 |
| Equity capital | 12,665,000 | 11,453,000 | 13,611,000 | 17,037,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,958,000 | 6,430,000 | 11,830,000 | 18,100,000 |
| Interest expense | 1,484,000 | 3,408,000 | 5,654,000 | 7,884,000 |
| Net interest income | 2,474,000 | 3,022,000 | 6,176,000 | 10,216,000 |
| Noninterest income | 2,546,000 | 13,427,000 | 17,731,000 | 24,472,000 |
| Noninterest expense | 3,981,000 | 9,432,000 | 15,047,000 | 21,654,000 |
| Provision for loan losses | 1,023,000 | 7,081,000 | 7,084,000 | 7,084,000 |
| Pretax income | 16,000 | -64,000 | 1,776,000 | 5,950,000 |
| Income tax | 4,000 | 562,000 | 595,000 | 1,449,000 |
| Net income | 12,000 | -626,000 | 1,181,000 | 4,501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,552,000 | 12,902,000 | 14,362,000 | 18,531,000 |
| Total capital | 17,979,000 | 15,870,000 | 16,741,000 | 21,314,000 |
| Risk-weighted assets | 189,158,000 | 228,659,000 | 182,550,000 | 220,231,000 |