Stockholders' Equity / Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2012

Stockholders Equity Regulatory Matters

Summary of Leverage Ratio

The Corporation’s and the Bank’s ratios under the above rules at December 31, 2012 and 2011 are set forth in the following tables. The Corporation’s leverage ratio at December 31, 2012, was 8.85%.

As of December 31, 2012	Actual		For Capital Adequacy Purposes		To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount	Ratio	Amount	Ratio	Amount	Ratio
Southwest Georgia Financial Corporation
Total capital (to risk-
weighted assets)	$32,830,990	15.56%	$16,878,302	> 8.00%	$21,097,877	> 10.00%
Tier I capital (to risk-
weighted assets)	$30,191,192	14.31%	$  8,439,151	> 4.00%	$12,658,726	>  6.00%
Leverage (Tier I capital
to average assets)	$30,191,192	8.85%	$10,232,732	> 3.00%	$17,054,554	>  5.00%
Southwest Georgia Bank
Total capital (to risk-
weighted assets)	$31,698,553	15.06%	$16,834,903	> 8.00%	$21,043,628	> 10.00%
Tier I capital (to risk-
weighted assets)	$29,065,452	13.81%	$  8,417,451	> 4.00%	$12,626,177	>  6.00%
Leverage (Tier I capital
to average assets)	$29,065,452	8.54%	$10,211,330	> 3.00%	$17,018,883	>  5.00%

As of December 31, 2011	Actual		For Capital Adequacy Purposes		To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount	Ratio	Amount	Ratio	Amount	Ratio
Southwest Georgia Financial Corporation
Total capital (to risk-
weighted assets)	$30,727,560	16.71%	$14,715,591	> 8.00%	$18,394,489	> 10.00%
Tier I capital (to risk-
weighted assets)	$28,424,964	15.45%	$  7,357,796	> 4.00%	$11,036,693	>  6.00%
Leverage (Tier I capital
to average assets)	$28,424,964	9.47%	$  9,009,503	> 3.00%	$15,015,839	>  5.00%
Southwest Georgia Bank
Total capital (to risk-
weighted assets)	$29,520,941	16.10%	$14,672,827	> 8.00%	$18,341,034	> 10.00%
Tier I capital (to risk-
weighted assets)	$27,218,345	14.84%	$  7,336,414	> 4.00%	$11,004,621	>  6.00%
Leverage (Tier I capital
to average assets)	$27,218,345	9.09%	$  8,987,081	> 3.00%	$14,978,469	>  5.00%