Call reports 2016
SOUTHWEST GEORGIA BANK — 2016
What SOUTHWEST GEORGIA BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 408,013,000 | 421,268,000 | 441,817,000 | 447,700,000 |
| Total loans | 270,331,000 | 287,463,000 | 286,635,000 | 292,339,000 |
| Allowance for loan losses | 3,066,000 | 3,113,000 | 3,093,000 | 3,125,000 |
| Securities available for sale | 41,255,000 | 43,055,000 | 45,338,000 | 53,566,000 |
| Securities held to maturity | 59,373,000 | 57,701,000 | 56,389,000 | 54,603,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 332,997,000 | 345,166,000 | 365,081,000 | 372,433,000 |
| Interest-bearing deposits | 231,792,000 | 235,654,000 | 246,002,000 | 255,771,000 |
| Noninterest-bearing deposits | 101,205,000 | 109,512,000 | 119,079,000 | 116,662,000 |
| Equity capital | 34,833,000 | 36,144,000 | 36,982,000 | 36,612,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,266,000 | 8,549,000 | 12,952,000 | 17,395,000 |
| Interest expense | 378,000 | 773,000 | 1,187,000 | 1,618,000 |
| Net interest income | 3,888,000 | 7,776,000 | 11,765,000 | 15,777,000 |
| Noninterest income | 1,199,000 | 2,211,000 | 3,215,000 | 4,290,000 |
| Noninterest expense | 3,695,000 | 7,303,000 | 11,006,000 | 14,735,000 |
| Provision for loan losses | 30,000 | 70,000 | 115,000 | 160,000 |
| Pretax income | 1,390,000 | 2,726,000 | 4,028,000 | 5,341,000 |
| Income tax | 334,000 | 625,000 | 944,000 | 1,243,000 |
| Net income | 1,056,000 | 2,101,000 | 3,084,000 | 4,098,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,328,000 | 36,375,000 | 37,361,000 | 38,377,000 |
| Total capital | 38,394,000 | 39,488,000 | 40,454,000 | 41,502,000 |
| Risk-weighted assets | 276,820,000 | 291,227,000 | 298,823,000 | 307,790,000 |