Call reports 2013
SOUTHWEST GEORGIA BANK — 2013
What SOUTHWEST GEORGIA BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 365,505,000 | 350,758,000 | 371,359,000 | 373,308,000 |
| Total loans | 207,700,000 | 219,325,000 | 221,432,000 | 218,668,000 |
| Allowance for loan losses | 2,944,000 | 3,049,000 | 3,099,000 | 3,078,000 |
| Securities available for sale | 31,210,000 | 31,769,000 | 33,212,000 | 36,461,000 |
| Securities held to maturity | 61,968,000 | 62,095,000 | 60,391,000 | 59,624,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 311,725,000 | 297,329,000 | 309,448,000 | 311,058,000 |
| Interest-bearing deposits | 239,105,000 | 222,927,000 | 227,569,000 | 229,195,000 |
| Noninterest-bearing deposits | 72,620,000 | 74,402,000 | 81,879,000 | 81,863,000 |
| Equity capital | 28,671,000 | 28,657,000 | 29,382,000 | 30,210,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,488,000 | 7,089,000 | 10,738,000 | 14,473,000 |
| Interest expense | 433,000 | 838,000 | 1,242,000 | 1,666,000 |
| Net interest income | 3,055,000 | 6,251,000 | 9,496,000 | 12,807,000 |
| Noninterest income | 1,206,000 | 2,355,000 | 3,517,000 | 4,779,000 |
| Noninterest expense | 3,520,000 | 7,097,000 | 10,630,000 | 14,202,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 636,000 | 1,299,000 | 2,068,000 | 3,276,000 |
| Income tax | 56,000 | 117,000 | 215,000 | 431,000 |
| Net income | 580,000 | 1,182,000 | 1,853,000 | 2,845,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,060,000 | 29,716,000 | 30,440,000 | 31,487,000 |
| Total capital | 31,823,000 | 32,703,000 | 33,479,000 | 34,426,000 |
| Risk-weighted assets | 217,777,000 | 231,989,000 | 232,393,000 | 230,219,000 |