Call reports 2012
SOUTHWEST GEORGIA BANK — 2012
What SOUTHWEST GEORGIA BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 318,088,000 | 314,778,000 | 331,519,000 | 346,598,000 |
| Total loans | 184,151,000 | 194,156,000 | 202,294,000 | 204,077,000 |
| Allowance for loan losses | 3,244,000 | 2,910,000 | 2,745,000 | 2,845,000 |
| Securities available for sale | 26,580,000 | 14,243,000 | 13,918,000 | 21,672,000 |
| Securities held to maturity | 56,173,000 | 57,778,000 | 57,193,000 | 59,864,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 262,591,000 | 259,911,000 | 278,178,000 | 292,304,000 |
| Interest-bearing deposits | 205,001,000 | 205,645,000 | 205,070,000 | 224,227,000 |
| Noninterest-bearing deposits | 57,590,000 | 54,266,000 | 73,108,000 | 68,077,000 |
| Equity capital | 27,504,000 | 27,514,000 | 27,879,000 | 28,749,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,319,000 | 6,691,000 | 10,132,000 | 13,729,000 |
| Interest expense | 492,000 | 970,000 | 1,440,000 | 1,900,000 |
| Net interest income | 2,827,000 | 5,721,000 | 8,692,000 | 11,829,000 |
| Noninterest income | 1,469,000 | 2,753,000 | 3,916,000 | 5,187,000 |
| Noninterest expense | 3,443,000 | 7,503,000 | 11,029,000 | 14,472,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 445,000 |
| Pretax income | 748,000 | 1,099,000 | 1,602,000 | 2,437,000 |
| Income tax | 161,000 | 185,000 | 257,000 | 437,000 |
| Net income | 587,000 | 914,000 | 1,345,000 | 2,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,473,000 | 27,869,000 | 28,315,000 | 29,065,000 |
| Total capital | 29,840,000 | 30,333,000 | 30,878,000 | 31,698,000 |
| Risk-weighted assets | 188,481,000 | 196,712,000 | 204,833,000 | 210,436,000 |