Call reports 2007
SOUTHWEST GEORGIA BANK — 2007
What SOUTHWEST GEORGIA BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 301,644,000 | 286,630,000 | 283,310,000 | 271,142,000 |
| Total loans | 130,753,000 | 130,426,000 | 127,009,000 | 118,966,000 |
| Allowance for loan losses | 2,411,000 | 2,415,000 | 2,412,000 | 2,399,000 |
| Securities available for sale | 32,272,000 | 30,961,000 | 31,353,000 | 31,158,000 |
| Securities held to maturity | 98,234,000 | 98,235,000 | 98,236,000 | 88,226,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,196,000 | 226,067,000 | 216,836,000 | 217,401,000 |
| Interest-bearing deposits | 199,565,000 | 185,851,000 | 183,632,000 | 182,004,000 |
| Noninterest-bearing deposits | 37,631,000 | 40,216,000 | 33,204,000 | 35,397,000 |
| Equity capital | 25,831,000 | 25,791,000 | 26,343,000 | 25,582,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,989,000 | 8,034,000 | 12,122,000 | 15,870,000 |
| Interest expense | 1,699,000 | 3,432,000 | 5,267,000 | 7,006,000 |
| Net interest income | 2,290,000 | 4,602,000 | 6,855,000 | 8,864,000 |
| Noninterest income | 2,316,000 | 3,760,000 | 5,539,000 | 6,715,000 |
| Noninterest expense | 3,164,000 | 6,059,000 | 9,023,000 | 13,434,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,442,000 | 2,303,000 | 3,371,000 | 2,145,000 |
| Income tax | 432,000 | 649,000 | 942,000 | 396,000 |
| Net income | 1,010,000 | 1,654,000 | 2,429,000 | 1,749,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,874,000 | 25,077,000 | 25,411,000 | 24,632,000 |
| Total capital | 26,825,000 | 27,006,000 | 27,317,000 | 26,407,000 |
| Risk-weighted assets | 155,609,000 | 153,856,000 | 151,995,000 | 141,336,000 |