Quarterly Data (Tables)

12 Months Ended

Dec. 31, 2014

Quarterly Financial Information Disclosure [Abstract]

Schedule of Quarterly Data

SOUTHWEST GEORGIA FINANCIAL CORPORATION

QUARTERLY DATA

(UNAUDITED)

(Dollars in thousands)

	For the Year 2014
	Fourth		Third		Second		First
Interest and dividend income	$	3,710	$	3,722	$	3,726	$	3,554
Interest expense		314		306		334		401
Net interest income		3,396		3,416		3,392		3,153
Provision for loan losses		75		75		75		105
Net interest income after provision for loan losses		3,321		3,341		3,317		3,048
Noninterest income		1,115		1,283		1,246		1,342
Noninterest expenses		3,625		3,612		3,630		3,503
Income before income taxes		811		1,012		933		887
Provision for income taxes		149		208		196		186
Net income	$	662	$	804	$	737	$	701
Earnings per share of common stock:
Basic	$	.26	$	.32	$	.28	$	.28
Diluted	$	.26	$	.32	$	.28	$	.28

	For the Year 2013
	Fourth		Third		Second		First
Interest and dividend income	$	3,735	$	3,649	$	3,602	$	3,488
Interest expense		422		404		405		432
Net interest income		3,313		3,245		3,197		3,056
Provision for loan losses		105		105		105		105
Net interest income after provision for loan losses		3,208		3,140		3,092		2,951
Noninterest income		1,574		1,162		1,149		1,206
Noninterest expenses		3,597		3,572		3,628		3,549
Income before income taxes		1,185		730		613		608
Provision for income taxes		203		80		39		42
Net income	$	982	$	650	$	574	$	566
Earnings per share of common stock:
Basic	$	.39	$	.25	$	.23	$	.22
Diluted	$	.39	$	.25	$	.23	$	.22