Vitals
  • Total Assets
    447.7M 8.2 %
  • Total Deposits
    372.4M 9.2 %
  • Total Net Loans
    289.2M 16.9 %
  • Net Income
    4.1M 20.0 %
  • Book Value
    36.6M 10.5 %
  • Book Value x2
    73.2M 10.5 %
  • Book Value x3
    109.8M 10.5 %
ROAA

.953

ROAE

11.53

Efficiency Ratio

70.515

Net Interest Margin

4.12

Balance Sheet Highlights
Financial Highlights Southwest Georgia Bank All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets 447,700 256,123
Total Net Loans 289,214 160,108
Total Deposits 372,433 221,413
Total Equity 36,612 27,434
Profitability
Net Income 4,098 2,812
Return on Average Assets .953 .99
Return on Average Equity 11.53 8.811
Net Interest Margin 4.12 4.031
Efficiency Ratio 70.515 72.067
Noninterest Income/Revenue 19.055 19.316
Balance Sheet Ratios
Loan-to-Deposit 77.655 70.662
Securities/Assets .242 .165
Total Equity/Total Assets .082 .107
Tangible Equity/Tangible Assets .082 .105
Capital Adequacy
Tier 1 Common Capital 38,377 26,376
Tier 1 Capital 38,377 26,452
Tier 2 Capital 3,125 1,919
Total Capital 41,502 28,453
Total Risk Weighted Assets 307,790 174,280
Leverage Ratio 8.49 10.62
Common Equity Tier 1 Capital Ratio 12.47 16.191
Tier 1 Capital Ratio 12.47 16.286
Total Capital Ratio 13.48 17.433

Timeline for Southwest Georgia Bank

Sylvester Banking Company

Acquisition: Southwest Georgia Bank acquired a new subsidiary, Sylvester Banking Company, 20 years

View Profile Feb 28 2004

Southwest Georgia Insurance Services, Inc.

Southwest Georgia Insurance Services, Inc. became a new subsidiary organization for Southwest Georgia Bank.

View Profile Mar 31 1999

Empire Financial Services, Inc.

Empire Financial Services, Inc. became a new subsidiary organization for Southwest Georgia Bank.

View Profile Mar 31 1997

Baker County Bank

Acquisition: Southwest Georgia Bank acquired a new subsidiary, Baker County Bank, 29 years

View Profile Dec 03 1994

Moultrie Savings Bank, F.S.B.

Acquisition: Southwest Georgia Bank acquired a new subsidiary, Moultrie Savings Bank, F.S.B., 33 years

View Profile Jan 05 1991

Want to see more?

Complete timeline for Southwest Georgia Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Sylvester Banking Company Seller 44,091 Acquisition Discontinued 2/28/2004
Baker County Bank Seller 15,670 Discontinued 12/3/1994
Moultrie Savings Bank, F.S.B. Seller 50,059 Failure 1/5/1991
Relationships Role Relationship Start Relationship End
Southwest Georgia Financial Corporation Parent 7/8/1981
Empire Financial Services, Inc. Subsidary 6/30/2007
Empire Financial Services, Inc. Subsidary 12/18/2001 6/29/2007
Empire Financial Services, Inc. Subsidary 3/31/1997 12/17/2001
Southwest Georgia Insurance Services, Inc. Subsidary 3/31/1999 8/3/2000
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