Call reports 2010
SOUTHWEST GEORGIA BANK — 2010
What SOUTHWEST GEORGIA BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 297,365,000 | 295,905,000 | 309,994,000 | 295,864,000 |
| Total loans | 160,565,000 | 159,227,000 | 161,167,000 | 157,631,000 |
| Allowance for loan losses | 2,636,000 | 2,909,000 | 3,002,000 | 2,755,000 |
| Securities available for sale | 57,455,000 | 42,664,000 | 40,439,000 | 54,946,000 |
| Securities held to maturity | 27,404,000 | 35,638,000 | 44,535,000 | 46,256,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,660,000 | 240,647,000 | 254,292,000 | 240,536,000 |
| Interest-bearing deposits | 204,683,000 | 202,368,000 | 203,238,000 | 201,650,000 |
| Noninterest-bearing deposits | 37,977,000 | 38,279,000 | 51,054,000 | 38,886,000 |
| Equity capital | 24,698,000 | 25,615,000 | 25,812,000 | 25,231,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,284,000 | 6,662,000 | 9,834,000 | 13,012,000 |
| Interest expense | 787,000 | 1,531,000 | 2,239,000 | 2,891,000 |
| Net interest income | 2,497,000 | 5,131,000 | 7,595,000 | 10,121,000 |
| Noninterest income | 1,244,000 | 2,390,000 | 3,403,000 | 4,460,000 |
| Noninterest expense | 2,911,000 | 5,890,000 | 8,953,000 | 12,082,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 587,000 | 1,866,000 | 2,130,000 | 2,434,000 |
| Income tax | 167,000 | 530,000 | 560,000 | 604,000 |
| Net income | 420,000 | 1,336,000 | 1,570,000 | 1,830,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,006,000 | 24,905,000 | 25,197,000 | 25,520,000 |
| Total capital | 26,115,000 | 26,928,000 | 27,262,000 | 27,576,000 |
| Risk-weighted assets | 168,199,000 | 160,948,000 | 164,265,000 | 163,749,000 |