Call reports 2015
SOUTHWEST GEORGIA BANK — 2015
What SOUTHWEST GEORGIA BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 399,253,000 | 390,289,000 | 391,413,000 | 413,823,000 |
| Total loans | 230,144,000 | 236,700,000 | 238,936,000 | 250,423,000 |
| Allowance for loan losses | 3,134,000 | 3,180,000 | 3,180,000 | 3,032,000 |
| Securities available for sale | 55,313,000 | 49,312,000 | 49,589,000 | 51,476,000 |
| Securities held to maturity | 63,397,000 | 62,373,000 | 61,336,000 | 60,889,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 336,606,000 | 323,308,000 | 323,885,000 | 340,934,000 |
| Interest-bearing deposits | 239,201,000 | 233,045,000 | 229,136,000 | 239,148,000 |
| Noninterest-bearing deposits | 97,405,000 | 90,263,000 | 94,749,000 | 101,786,000 |
| Equity capital | 32,873,000 | 33,344,000 | 34,583,000 | 33,147,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,695,000 | 7,593,000 | 11,481,000 | 15,424,000 |
| Interest expense | 317,000 | 643,000 | 970,000 | 1,324,000 |
| Net interest income | 3,378,000 | 6,950,000 | 10,511,000 | 14,100,000 |
| Noninterest income | 1,161,000 | 2,202,000 | 3,210,000 | 4,256,000 |
| Noninterest expense | 3,459,000 | 6,901,000 | 10,325,000 | 13,889,000 |
| Provision for loan losses | 45,000 | 90,000 | 141,000 | 141,000 |
| Pretax income | 1,035,000 | 2,165,000 | 3,259,000 | 4,330,000 |
| Income tax | 219,000 | 462,000 | 687,000 | 914,000 |
| Net income | 816,000 | 1,703,000 | 2,572,000 | 3,416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,961,000 | 33,849,000 | 34,720,000 | 34,280,000 |
| Total capital | 36,057,000 | 37,000,000 | 37,890,000 | 37,312,000 |
| Risk-weighted assets | 247,682,000 | 252,089,000 | 253,615,000 | 263,874,000 |