Call reports 2006
COMMUNITY BANK OF WEST GEORGIA — 2006
What COMMUNITY BANK OF WEST GEORGIA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 114,753,000 | 130,869,000 | 154,332,000 | 172,198,000 |
| Total loans | 88,438,000 | 105,254,000 | 121,538,000 | 132,836,000 |
| Allowance for loan losses | 974,000 | 1,158,000 | 1,223,000 | 1,330,000 |
| Securities available for sale | 15,033,000 | 15,219,000 | 15,171,000 | 19,083,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,088,000 | 113,132,000 | 135,166,000 | 151,901,000 |
| Interest-bearing deposits | 91,059,000 | 107,350,000 | 128,817,000 | 144,429,000 |
| Noninterest-bearing deposits | 7,029,000 | 5,782,000 | 6,349,000 | 7,472,000 |
| Equity capital | 9,240,000 | 10,160,000 | 11,356,000 | 12,141,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,035,000 | 4,494,000 | 7,369,000 | 10,716,000 |
| Interest expense | 907,000 | 2,055,000 | 3,441,000 | 5,286,000 |
| Net interest income | 1,128,000 | 2,439,000 | 3,928,000 | 5,430,000 |
| Noninterest income | 20,000 | 64,000 | 86,000 | 112,000 |
| Noninterest expense | 918,000 | 1,971,000 | 3,113,000 | 4,415,000 |
| Provision for loan losses | 170,000 | 372,000 | 437,000 | 544,000 |
| Pretax income | 60,000 | 160,000 | 464,000 | 583,000 |
| Income tax | 0 | 2,000 | -423,000 | -422,000 |
| Net income | 60,000 | 158,000 | 887,000 | 1,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,473,000 | 10,471,000 | 11,580,000 | 12,300,000 |
| Total capital | 10,447,000 | 11,629,000 | 12,803,000 | 13,630,000 |
| Risk-weighted assets | 87,906,000 | 101,197,000 | 116,899,000 | 128,497,000 |