Call reports 2009
SOUTHWEST GEORGIA BANK — 2009
What SOUTHWEST GEORGIA BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 271,734,000 | 268,371,000 | 277,621,000 | 290,230,000 |
| Total loans | 149,208,000 | 150,865,000 | 157,251,000 | 160,101,000 |
| Allowance for loan losses | 2,436,000 | 2,510,000 | 2,428,000 | 2,533,000 |
| Securities available for sale | 71,596,000 | 78,724,000 | 78,658,000 | 61,993,000 |
| Securities held to maturity | 10,108,000 | 10,384,000 | 9,653,000 | 24,195,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,798,000 | 221,331,000 | 223,549,000 | 236,060,000 |
| Interest-bearing deposits | 185,940,000 | 184,654,000 | 188,533,000 | 195,031,000 |
| Noninterest-bearing deposits | 38,858,000 | 36,677,000 | 35,016,000 | 41,029,000 |
| Equity capital | 23,086,000 | 22,727,000 | 23,839,000 | 24,123,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,369,000 | 6,716,000 | 10,118,000 | 13,593,000 |
| Interest expense | 984,000 | 1,895,000 | 2,808,000 | 3,675,000 |
| Net interest income | 2,385,000 | 4,821,000 | 7,310,000 | 9,918,000 |
| Noninterest income | 1,217,000 | 2,423,000 | 3,684,000 | 4,869,000 |
| Noninterest expense | 2,907,000 | 6,261,000 | 9,255,000 | 12,057,000 |
| Provision for loan losses | 186,000 | 245,000 | 386,000 | 536,000 |
| Pretax income | 509,000 | 738,000 | 1,387,000 | 2,449,000 |
| Income tax | 116,000 | 58,000 | 230,000 | 558,000 |
| Net income | 393,000 | 680,000 | 1,157,000 | 1,891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,719,000 | 22,949,000 | 23,383,000 | 23,891,000 |
| Total capital | 24,724,000 | 24,999,000 | 25,499,000 | 26,011,000 |
| Risk-weighted assets | 159,987,000 | 163,524,000 | 168,938,000 | 169,149,000 |