Call reports 2005
SOUTHWEST GEORGIA BANK — 2005
What SOUTHWEST GEORGIA BANK 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 | 300,789,000 | 299,044,000 | 298,526,000 | 300,654,000 |
| Total loans | 100,862,000 | 107,035,000 | 109,574,000 | 104,629,000 |
| Allowance for loan losses | 2,474,000 | 2,478,000 | 2,474,000 | 2,454,000 |
| Securities available for sale | 53,371,000 | 54,147,000 | 51,365,000 | 48,002,000 |
| Securities held to maturity | 114,044,000 | 107,868,000 | 106,867,000 | 106,779,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,033,000 | 219,756,000 | 221,052,000 | 223,584,000 |
| Interest-bearing deposits | 192,711,000 | 186,351,000 | 188,354,000 | 186,492,000 |
| Noninterest-bearing deposits | 34,322,000 | 33,405,000 | 32,698,000 | 37,092,000 |
| Equity capital | 36,677,000 | 37,970,000 | 38,190,000 | 36,408,000 |
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 | 3,572,000 | 7,224,000 | 11,036,000 | 14,815,000 |
| Interest expense | 1,010,000 | 2,096,000 | 3,318,000 | 4,634,000 |
| Net interest income | 2,562,000 | 5,128,000 | 7,718,000 | 10,181,000 |
| Noninterest income | 1,751,000 | 3,988,000 | 6,036,000 | 7,865,000 |
| Noninterest expense | 3,033,000 | 6,152,000 | 9,193,000 | 12,287,000 |
| Provision for loan losses | 20,000 | 40,000 | 60,000 | 80,000 |
| Pretax income | 1,260,000 | 2,924,000 | 4,501,000 | 5,679,000 |
| Income tax | 272,000 | 701,000 | 1,091,000 | 1,408,000 |
| Net income | 988,000 | 2,223,000 | 3,410,000 | 4,271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,773,000 | 35,648,000 | 36,392,000 | 34,588,000 |
| Total capital | 36,465,000 | 37,399,000 | 38,178,000 | 36,332,000 |
| Risk-weighted assets | 134,609,000 | 139,323,000 | 142,167,000 | 138,780,000 |