Call reports 2006
SOUTHWEST GEORGIA BANK — 2006
What SOUTHWEST GEORGIA BANK 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 | 322,696,000 | 307,373,000 | 307,759,000 | 287,454,000 |
| Total loans | 114,800,000 | 120,678,000 | 126,149,000 | 125,292,000 |
| Allowance for loan losses | 2,439,000 | 2,423,000 | 2,420,000 | 2,417,000 |
| Securities available for sale | 47,584,000 | 47,060,000 | 34,323,000 | 33,279,000 |
| Securities held to maturity | 108,775,000 | 105,773,000 | 103,772,000 | 102,233,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,176,000 | 228,989,000 | 227,899,000 | 228,340,000 |
| Interest-bearing deposits | 197,427,000 | 192,074,000 | 194,004,000 | 194,908,000 |
| Noninterest-bearing deposits | 36,749,000 | 36,915,000 | 33,895,000 | 33,432,000 |
| Equity capital | 36,742,000 | 37,149,000 | 24,800,000 | 25,308,000 |
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 | 3,823,000 | 7,778,000 | 11,906,000 | 15,987,000 |
| Interest expense | 1,385,000 | 2,947,000 | 4,688,000 | 6,448,000 |
| Net interest income | 2,438,000 | 4,831,000 | 7,218,000 | 9,539,000 |
| Noninterest income | 2,046,000 | 4,449,000 | 6,259,000 | 7,675,000 |
| Noninterest expense | 3,005,000 | 6,080,000 | 9,546,000 | 12,630,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,479,000 | 3,200,000 | 3,367,000 | 4,020,000 |
| Income tax | 401,000 | 896,000 | 779,000 | 882,000 |
| Net income | 1,078,000 | 2,304,000 | 2,588,000 | 3,138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,232,000 | 36,019,000 | 22,962,000 | 24,305,000 |
| Total capital | 37,139,000 | 37,954,000 | 24,924,000 | 26,173,000 |
| Risk-weighted assets | 152,003,000 | 154,314,000 | 156,538,000 | 148,952,000 |