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Profile - Southwest GA Fincl. Corp. (AMEX:SGB)
As of 31-Aug-2001
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More Info: Quote | Chart | News | Profile | Research | SEC | Msgs | Insider | Financials
Recent Events
Aug 17Price hit new 52-week high ($16.45)
July 31Dividend payment of $0.13
Location
201 First Street, S.E.
Moultrie, GA 31768
Phone: (912) 985-1120
Fax: (912) 985-0251
Employees (last reported count): 98
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: Regional Banks
Related Links
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Ownership
·Insider and 5%+ Owners: 43%
·Over the last 6 months:
 · one insider buy; 0  shares
 · 3 insider sells; 10.0K shares
  (0.8% of insider shares)
·Institutional: 0% (0% of float)
(one institution)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Southwest Georgia Financial Corporation is a bank holding company that owns Southwest Georgia Bank (the Bank), its only subsidiary. The Company's primary business is providing banking services to individuals and businesses, principally in Colquitt County, Baker County, Thomas County and surrounding counties of southwest Georgia, through the Bank. The Bank offers such customary banking services as consumer and commercial checking accounts, NOW accounts, savings accounts, certificates of deposit, lines of credit, Mastercard and VISA accounts and money transfers. The Bank finances commercial and consumer transactions, makes secured and unsecured loans and provides a variety of other banking services. The Bank has a trust department that performs corporate, pension and personal trust services, and acts as trustee, executor and administrator for estates and as administrator or trustee of various types of employee benefit plans for corporations and other organizations.
More from Market Guide: Expanded Business Description

Financial Summary
Southwest Georgia Fincl Corp. is a holding company for Southwest Georgia Bank, a state-chartered commercial bank. For the six months ended 6/30/01, total interest income rose 5% to $9.4 million. Net interest income after loan loss prov. fell 8% to $4.8 million. Net income fell 11% to $1.6 million. Results reflect increased average loan balances, offset by higher interest paid on deposits. Earnings reflect lower service charges and insurance services income.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Pay

John Clark, 63
Chairman, CEO of the Registrant and Bank
$239K
Violet Weaver, 65
Pres
--  
G. DeWitt Drew, 44
Exec. VP of the Registrant and Bank
103K
George Kirkland, 50
Sr. VP and Treasurer
--  
John Cole, Jr., 50
Sr. VP of the Registrant and Bank
--  
Dollar amounts are as of 31-Dec-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- AMEX:SGBAs of 31-Aug-2001
Price and Volume
52-Week Low
on 23-Oct-2000
$14.125
Recent Price$15.50 
52-Week High
on 17-Aug-2001
$16.45 
Beta0.36 
Daily Volume (3-month avg)818 
Daily Volume (10-day avg)1,000 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y | max]
52-Week Change-0.8%
52-Week Change
relative to S&P500
+33.1%
Share-Related Items
Market Capitalization$46.5M
Shares Outstanding3.00M
Float1.70M
Dividends & Splits
Annual Dividend (indicated)$0.52 
Dividend Yield3.35%
Last Split: 2 for 1 on 29-July-1996
Per-Share Data
Book Value (mrq)$12.50 
Earnings (ttm)$1.26 
Earnings (mrq)$0.32 
Sales (ttm)$7.51 
Cash (mrq)$2.81 
Valuation Ratios
Price/Book (mrq)1.24 
Price/Earnings (ttm)12.33 
Price/Sales (ttm)2.06 
Income Statements
Sales (ttm)$18.9M
EBITDAN/A 
Income available to common (ttm)$3.16M
Profitability
Profit Margin (ttm)16.7%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)1.32%
Return on Equity (ttm)10.35%
Financial Strength
Current RatioN/A 
Long-Term Debt/Equity (mrq)0 
Total Cash (mrq)$6.85M
Short Interest
As of 8-Aug-2001
Shares Short10.0K
Percent of Float0.6%
Shares Short
(Prior Month)
10.0K
Short Ratio10.00 
Daily Volume1,000 
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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