Call reports 2004
SOUTHWEST GEORGIA BANK — 2004
What SOUTHWEST GEORGIA BANK 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 | 295,953,000 | 292,097,000 | 292,552,000 | 304,759,000 |
| Total loans | 105,063,000 | 104,938,000 | 102,058,000 | 99,890,000 |
| Allowance for loan losses | 2,513,000 | 2,507,000 | 2,507,000 | 2,507,000 |
| Securities available for sale | 58,046,000 | 54,960,000 | 54,954,000 | 54,510,000 |
| Securities held to maturity | 89,698,000 | 106,650,000 | 105,115,000 | 116,046,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,202,000 | 224,133,000 | 217,347,000 | 224,351,000 |
| Interest-bearing deposits | 196,164,000 | 189,319,000 | 185,377,000 | 187,889,000 |
| Noninterest-bearing deposits | 35,038,000 | 34,814,000 | 31,970,000 | 36,462,000 |
| Equity capital | 37,487,000 | 36,724,000 | 36,732,000 | 36,892,000 |
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 | 3,227,000 | 6,734,000 | 10,246,000 | 13,799,000 |
| Interest expense | 766,000 | 1,578,000 | 2,451,000 | 3,426,000 |
| Net interest income | 2,461,000 | 5,156,000 | 7,795,000 | 10,373,000 |
| Noninterest income | 1,775,000 | 3,516,000 | 4,953,000 | 6,751,000 |
| Noninterest expense | 2,865,000 | 5,871,000 | 8,818,000 | 11,905,000 |
| Provision for loan losses | 7,000 | 17,000 | 74,000 | 92,000 |
| Pretax income | 1,367,000 | 2,787,000 | 3,859,000 | 5,130,000 |
| Income tax | 198,000 | 601,000 | 894,000 | 1,291,000 |
| Net income | 1,169,000 | 2,186,000 | 2,965,000 | 3,839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,888,000 | 34,493,000 | 33,830,000 | 34,304,000 |
| Total capital | 35,620,000 | 36,216,000 | 35,516,000 | 35,990,000 |
| Risk-weighted assets | 138,016,000 | 137,041,000 | 133,271,000 | 134,038,000 |