Call reports 2004
COMMUNITY BANK OF WEST GEORGIA — 2004
What COMMUNITY BANK OF WEST GEORGIA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 51,614,000 | 55,573,000 | 61,248,000 | 72,160,000 |
| Total loans | 36,438,000 | 42,525,000 | 47,732,000 | 59,444,000 |
| Allowance for loan losses | 419,000 | 490,000 | 542,000 | 682,000 |
| Securities available for sale | 6,428,000 | 8,062,000 | 8,222,000 | 10,140,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,820,000 | 46,630,000 | 53,037,000 | 61,071,000 |
| Interest-bearing deposits | 39,852,000 | 43,795,000 | 50,212,000 | 58,074,000 |
| Noninterest-bearing deposits | 2,968,000 | 2,835,000 | 2,825,000 | 2,996,000 |
| Equity capital | 8,242,000 | 8,000,000 | 8,016,000 | 7,863,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 581,000 | 1,301,000 | 2,093,000 | 3,052,000 |
| Interest expense | 220,000 | 499,000 | 839,000 | 1,237,000 |
| Net interest income | 361,000 | 802,000 | 1,254,000 | 1,815,000 |
| Noninterest income | 9,000 | 13,000 | 19,000 | 18,000 |
| Noninterest expense | 412,000 | 863,000 | 1,396,000 | 1,959,000 |
| Provision for loan losses | 111,000 | 182,000 | 234,000 | 374,000 |
| Pretax income | -145,000 | -222,000 | -349,000 | -492,000 |
| Income tax | 0 | 0 | 2,000 | 2,000 |
| Net income | -145,000 | -222,000 | -351,000 | -494,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,225,000 | 8,142,000 | 8,011,000 | 7,877,000 |
| Total capital | 8,578,000 | 8,632,000 | 8,553,000 | 8,559,000 |
| Risk-weighted assets | 28,160,000 | 44,228,000 | 49,667,000 | 60,322,000 |