Call reports 2002
SOUTHWEST GEORGIA BANK — 2002
What SOUTHWEST GEORGIA BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 234,018,000 | 230,385,000 | 232,669,000 | 240,017,000 |
| Total loans | 116,899,000 | 112,747,000 | 110,775,000 | 105,715,000 |
| Allowance for loan losses | 1,964,000 | 2,006,000 | 2,065,000 | 1,900,000 |
| Securities available for sale | 30,657,000 | 31,203,000 | 37,884,000 | 38,883,000 |
| Securities held to maturity | 60,460,000 | 62,540,000 | 60,262,000 | 65,150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,050,000 | 187,385,000 | 183,321,000 | 191,888,000 |
| Interest-bearing deposits | 165,539,000 | 162,014,000 | 158,755,000 | 162,941,000 |
| Noninterest-bearing deposits | 28,511,000 | 25,371,000 | 24,566,000 | 28,947,000 |
| Equity capital | 28,458,000 | 29,394,000 | 30,457,000 | 30,711,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,811,000 | 7,515,000 | 11,140,000 | 14,704,000 |
| Interest expense | 1,250,000 | 2,406,000 | 3,471,000 | 4,491,000 |
| Net interest income | 2,561,000 | 5,109,000 | 7,669,000 | 10,213,000 |
| Noninterest income | 1,363,000 | 2,577,000 | 4,005,000 | 5,474,000 |
| Noninterest expense | 2,618,000 | 5,173,000 | 7,706,000 | 10,196,000 |
| Provision for loan losses | 150,000 | 255,000 | 375,000 | 534,000 |
| Pretax income | 1,156,000 | 2,258,000 | 3,593,000 | 4,957,000 |
| Income tax | 348,000 | 641,000 | 1,068,000 | 1,496,000 |
| Net income | 808,000 | 1,617,000 | 2,525,000 | 3,461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,766,000 | 28,113,000 | 28,533,000 | 28,980,000 |
| Total capital | 27,406,000 | 29,739,000 | 30,140,000 | 30,565,000 |
| Risk-weighted assets | 130,829,000 | 129,705,000 | 128,201,000 | 126,453,000 |