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Stockholders' Equity / Regulatory Matters (Tables)
 12 Months Ended
Dec. 31, 2015
Stockholders Equity Regulatory Matters  
Summary of Leverage Ratio

The Corporation’s and the Bank’s ratios under the above rules at December 31, 2015 and 2014, are set forth in the following tables. The Corporation’s leverage ratio at December 31, 2015, was 9.13%.

As of December 31, 2015

 

 

Actual

 

For Capital

Adequacy Purposes

To Be Well

Capitalized Under

Prompt Corrective

Action Provisions

             
  Amount Ratio Amount Ratio Amount Ratio
Southwest Georgia Financial Corporation            
  Common equity Tier 1 (to risk-            
      weighted assets) $37,230,740 14.07% $11,907,692 > 4.50% $17,199,999 >   6.50%
  Total capital (to risk-            
      weighted assets) $40,262,982 15.22% $21,169,230 > 8.00% $26,461,534 > 10.00%
  Tier I capital (to risk-            
      weighted assets) $37,230,740 14.07% $15,876,922 > 6.00% $21,169,230 >   8.00%
  Leverage (tier I capital            
     to average assets) $37,230,740 9.13% $16,316,153 > 4.00% $20,395,191 >  5.00%
             
Southwest Georgia Bank            
  Common equity Tier 1 (to risk-            
      weighted assets) $34,279,795 12.99% $11,874,310 > 4.50% $17,151,781 >   6.50%
  Total capital (to risk-            
      weighted assets) $37,312,037 14.14% $21,109,884 > 8.00% $26,387,355 > 10.00%
  Tier I capital (to risk-            
      weighted assets) $34,279,795 12.99% $15,832,413 > 6.00% $21,109,884 >   8.00%
  Leverage (tier I capital            
     to average assets) $34,279,795 8.43% $16,274,473 > 4.00% $20,343,091 >   5.00%

 

 

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%