Stockholders' Equity / Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2014

Stockholders Equity Regulatory Matters

Summary of Leverage Ratio

The Corporation’s and the Bank’s ratios under the above rules at December 31, 2014 and 2013 are set forth in the following tables. The Corporation’s leverage ratio at December 31, 2014, was 9.14%.

As of December 31, 2014	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)	$37,845,154	15.70%	$19,288,109	> 8.00%	$24,110,136	> 10.00%
Tier I capital (to risk-
weighted assets)	$34,830,148	14.45%	$  9,644,054	> 4.00%	$14,466,082	>  6.00%
Leverage (tier I capital
to average assets)	$34,830,148	9.14%	$15,246,906	> 4.00%	$19,058,633	>  5.00%
Southwest Georgia Bank
Total capital (to risk-
weighted assets)	$36,510,112	15.18%	$19,236,387	> 8.00%	$24,045,483	> 10.00%
Tier I capital (to risk-
weighted assets)	$33,503,088	13.93%	$  9,618,193	> 4.00%	$14,427,290	>  6.00%
Leverage (tier I capital
to average assets)	$33,503,088	8.81%	$15,211,031	> 4.00%	$19,013,789	>  5.00%

As of December 31, 2013	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)	$35,640,761	15.44%	$18,463,600	> 8.00%	$23,079,500	> 10.00%
Tier I capital (to risk-
weighted assets)	$32,696,693	14.17%	$  9,231,800	> 4.00%	$13,847,700	>  6.00%
Leverage (tier I capital
to average assets)	$32,696,693	8.73%	$14,977,241	> 4.00%	$18,721,550	>  5.00%
Southwest Georgia Bank
Total capital (to risk-
weighted assets)	$34,425,902	14.95%	$18,417,512	> 8.00%	$23,021,890	> 10.00%
Tier I capital (to risk-
weighted assets)	$31,486,569	13.68%	$  9,208,756	> 4.00%	$13,813,134	>  6.00%
Leverage (tier I capital
to average assets)	$31,486,569	8.42%	$14,949,996	> 4.00%	$18,687,495	>  5.00%