Call reports 2019
SOUTHWEST GEORGIA BANK — 2019
What SOUTHWEST GEORGIA BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 549,571,000 | 550,884,000 | 545,938,000 | 554,030,000 |
| Total loans | 376,357,000 | 386,889,000 | 393,234,000 | 397,154,000 |
| Allowance for loan losses | 3,367,000 | 3,465,000 | 3,505,000 | 3,604,000 |
| Securities available for sale | 62,963,000 | 73,713,000 | 71,423,000 | 67,826,000 |
| Securities held to maturity | 35,185,000 | 32,546,000 | 31,167,000 | 25,487,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 490,264,000 | 469,191,000 | 466,789,000 | 474,704,000 |
| Interest-bearing deposits | 375,592,000 | 351,895,000 | 351,730,000 | 360,815,000 |
| Noninterest-bearing deposits | 114,672,000 | 117,296,000 | 115,059,000 | 113,889,000 |
| Equity capital | 43,106,000 | 44,938,000 | 46,150,000 | 48,122,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,952,000 | 12,082,000 | 18,417,000 | 24,974,000 |
| Interest expense | 1,198,000 | 2,285,000 | 3,435,000 | 4,450,000 |
| Net interest income | 4,754,000 | 9,797,000 | 14,982,000 | 20,524,000 |
| Noninterest income | 1,237,000 | 2,544,000 | 3,562,000 | 4,643,000 |
| Noninterest expense | 4,353,000 | 8,830,000 | 13,008,000 | 17,754,000 |
| Provision for loan losses | 116,000 | 366,000 | 745,000 | 857,000 |
| Pretax income | 1,522,000 | 3,145,000 | 4,965,000 | 6,730,000 |
| Income tax | 260,000 | 541,000 | 916,000 | 1,229,000 |
| Net income | 1,262,000 | 2,604,000 | 4,049,000 | 5,501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,575,000 | 45,602,000 | 46,600,000 | 47,569,000 |
| Total capital | 47,942,000 | 49,067,000 | 50,105,000 | 51,173,000 |
| Risk-weighted assets | 380,954,000 | 390,640,000 | 394,879,000 | 391,600,000 |