Call reports 2017
SOUTHWEST GEORGIA BANK — 2017
What SOUTHWEST GEORGIA BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 469,935,000 | 469,244,000 | 476,074,000 | 488,345,000 |
| Total loans | 310,399,000 | 322,212,000 | 329,319,000 | 330,068,000 |
| Allowance for loan losses | 3,162,000 | 3,096,000 | 3,208,000 | 3,044,000 |
| Securities available for sale | 59,692,000 | 58,142,000 | 54,847,000 | 54,263,000 |
| Securities held to maturity | 52,698,000 | 50,221,000 | 46,955,000 | 44,591,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 395,548,000 | 393,331,000 | 386,458,000 | 398,700,000 |
| Interest-bearing deposits | 266,812,000 | 259,874,000 | 257,954,000 | 271,024,000 |
| Noninterest-bearing deposits | 128,736,000 | 133,457,000 | 128,504,000 | 127,676,000 |
| Equity capital | 35,781,000 | 37,102,000 | 38,099,000 | 38,633,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 4,500,000 | 9,263,000 | 14,116,000 | 19,129,000 |
| Interest expense | 439,000 | 877,000 | 1,351,000 | 1,911,000 |
| Net interest income | 4,061,000 | 8,386,000 | 12,765,000 | 17,218,000 |
| Noninterest income | 1,159,000 | 2,217,000 | 3,166,000 | 4,126,000 |
| Noninterest expense | 3,869,000 | 7,771,000 | 11,795,000 | 15,658,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 1,400,000 | 2,849,000 | 4,098,000 | 5,573,000 |
| Income tax | 327,000 | 673,000 | 956,000 | 1,708,000 |
| Net income | 1,073,000 | 2,176,000 | 3,142,000 | 3,865,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,446,000 | 38,552,000 | 39,523,000 | 40,247,000 |
| Total capital | 40,608,000 | 41,648,000 | 42,731,000 | 43,291,000 |
| Risk-weighted assets | 326,071,000 | 330,930,000 | 334,576,000 | 334,884,000 |