Call reports 2005
COMMUNITY BANK OF WEST GEORGIA — 2005
What COMMUNITY BANK OF WEST GEORGIA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 85,163,000 | 89,210,000 | 95,012,000 | 101,146,000 |
| Total loans | 69,351,000 | 73,962,000 | 68,867,000 | 72,941,000 |
| Allowance for loan losses | 797,000 | 804,000 | 804,000 | 804,000 |
| Securities available for sale | 9,902,000 | 9,900,000 | 14,709,000 | 14,310,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,264,000 | 80,741,000 | 79,374,000 | 85,429,000 |
| Interest-bearing deposits | 73,528,000 | 75,420,000 | 75,173,000 | 81,330,000 |
| Noninterest-bearing deposits | 3,736,000 | 5,321,000 | 4,200,000 | 4,099,000 |
| Equity capital | 7,663,000 | 8,142,000 | 8,236,000 | 8,245,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,199,000 | 2,612,000 | 4,125,000 | 5,866,000 |
| Interest expense | 516,000 | 1,150,000 | 1,839,000 | 2,638,000 |
| Net interest income | 683,000 | 1,462,000 | 2,286,000 | 3,228,000 |
| Noninterest income | 17,000 | 92,000 | 111,000 | 131,000 |
| Noninterest expense | 664,000 | 1,425,000 | 2,185,000 | 3,031,000 |
| Provision for loan losses | 129,000 | 136,000 | 136,000 | 136,000 |
| Pretax income | -93,000 | -7,000 | 76,000 | 192,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -93,000 | -7,000 | 76,000 | 192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,856,000 | 8,266,000 | 8,302,000 | 8,420,000 |
| Total capital | 8,653,000 | 9,070,000 | 9,106,000 | 9,224,000 |
| Risk-weighted assets | 69,185,000 | 72,535,000 | 71,485,000 | 74,637,000 |