Call reports 2011
SOUTHWEST GEORGIA BANK — 2011
What SOUTHWEST GEORGIA BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 313,540,000 | 300,678,000 | 293,020,000 | 304,989,000 |
| Total loans | 168,179,000 | 176,476,000 | 182,213,000 | 181,145,000 |
| Allowance for loan losses | 2,871,000 | 2,911,000 | 2,903,000 | 3,100,000 |
| Securities available for sale | 59,142,000 | 44,665,000 | 31,945,000 | 28,641,000 |
| Securities held to maturity | 43,738,000 | 45,619,000 | 45,297,000 | 52,338,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 257,595,000 | 243,568,000 | 237,371,000 | 249,457,000 |
| Interest-bearing deposits | 207,568,000 | 198,283,000 | 190,000,000 | 192,927,000 |
| Noninterest-bearing deposits | 50,027,000 | 45,285,000 | 47,371,000 | 56,530,000 |
| Equity capital | 25,637,000 | 26,687,000 | 26,998,000 | 27,344,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,163,000 | 6,588,000 | 9,811,000 | 13,099,000 |
| Interest expense | 598,000 | 1,166,000 | 1,695,000 | 2,198,000 |
| Net interest income | 2,565,000 | 5,422,000 | 8,116,000 | 10,901,000 |
| Noninterest income | 1,184,000 | 2,529,000 | 3,561,000 | 4,791,000 |
| Noninterest expense | 3,133,000 | 6,528,000 | 9,862,000 | 13,188,000 |
| Provision for loan losses | 150,000 | 300,000 | 780,000 | 984,000 |
| Pretax income | 498,000 | 1,344,000 | 1,412,000 | 1,901,000 |
| Income tax | 106,000 | 326,000 | 268,000 | 349,000 |
| Net income | 392,000 | 1,018,000 | 1,144,000 | 1,552,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,033,000 | 26,613,000 | 26,782,000 | 27,218,000 |
| Total capital | 28,201,000 | 28,875,000 | 29,100,000 | 29,521,000 |
| Risk-weighted assets | 172,755,000 | 180,271,000 | 184,818,000 | 183,409,000 |