SGB / Southwest Georgia Financial Corp. - SEC-arkivering, Årsberetning, Fuldmagtserklæring

Southwest Georgia Financial Corp.
US ˙ AMEX ˙ US84502A1043
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CIK 315849
SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to Southwest Georgia Financial Corp.
SEC Filings (Chronological Order)
Denne side giver en komplet, kronologisk liste over SEC-arkiveringer, eksklusive ejerskabsregistreringer, som vi leverer andre steder.
April 13, 2020 15-12B

SGB / Southwest Georgia Financial Corp. 15-12B - - 15-12B

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 15 CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS UNDER SECTIONS 13 AND 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. Commission File Number: 001-12053 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of registrant

April 6, 2020 S-8 POS

SGB / Southwest Georgia Financial Corp. S-8 POS - - S-8 POS

As filed with the Securities and Exchange Commission on April 6, 2020 Registration No.

April 6, 2020 S-3DPOS

SGB / Southwest Georgia Financial Corp. S-3DPOS - - S-3DPOS

As filed with the Securities and Exchange Commission on April 6, 2020 Registration No.

April 6, 2020 S-8 POS

SGB / Southwest Georgia Financial Corp. S-8 POS - - S-8 POS

As filed with the Securities and Exchange Commission on April 6, 2020 Registration No.

April 3, 2020 8-K

Changes in Control of Registrant, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Material Modification to Rights of Security Holders, Notice of Delisting or Failure to Satisfy a Continued Listing Rule or Standard; Transfer of Listing, Financial Statements and Exhibits, Completion of Acquisition or Disposition of Assets

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 3, 2020 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Georgia 001-12053 58-1392259 (State or other jurisdiction of incorporation

April 3, 2020 EX-99.25

EX-99.25

NOTIFICATION OF THE REMOVAL FROM LISTING AND REGISTRATION OF THE STATED SECURITIES NYSE American LLC hereby notifies the SEC of its intention to remove the entire class of the stated securities from listing and registration on the Exchange at the opening of business on April 14, 2020, pursuant to the provisions of Rule 12d2-2 (a).

March 30, 2020 EX-21

Subsidiaries of the Corporation

EXHIBIT 21 Subsidiaries of the Registrant Southwest Georgia Financial Corporation (1) Southwest Georgia Bank Moultrie, Georgia

March 30, 2020 EX-99.2 BYLAWS

Bylaws of the Corporation, as amended

As Amended April 26, 2000 BY-LAWS OF SOUTHWEST GEORGIA FINANCIAL CORPORATION ARTICLE I OFFICES Section 1.

March 30, 2020 EX-10.12

SOUTHWEST GEORGIA FINANCIAL CORPORATION RESTRICTED STOCK AWARD AGREEMENT

EX-10.12 4 ex1012restrstockagreement.htm FORM OF RESTRICTED STOCK AWARD AGREEMENT SOUTHWEST GEORGIA FINANCIAL CORPORATION RESTRICTED STOCK AWARD AGREEMENT THIS RESTRICTED STOCK AWARD AGREEMENT, (this “Agreement”), dated as of (the “Date of Grant”), is made by and between Southwest Georgia Financial Corporation (the “Company”), and (the “Grantee”). WHEREAS, the Company has adopted the 2013 Omnibus

March 30, 2020 10-K

Annual Report - FORM 10-K

U.S. Securities and Exchange Commission Washington, D. C. 20549 Form 10-K [ X ] Annual report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2019 [ ] Transition report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to . Commission file number 001-12053 Southwest Georgia Financial C

March 27, 2020 8-K

Financial Statements and Exhibits, Other Events, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 27, 2020 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Georgia 001-12053 58-1392259 (State or other jurisdiction of incorporatio

March 27, 2020 EX-99.1

Southwest Georgia Financial Corporation Announces Results of Special Meeting of Shareholders

Exhibit 99.1 Southwest Georgia Financial Corporation 201 First Street S.E. Moultrie, GA 31768 PH: (229) 985-1120 FX: (229) 985-0251 News Release For Immediate Release Southwest Georgia Financial Corporation Announces Results of Special Meeting of Shareholders MOULTRIE, Ga., Mar. 27, 2020 – Southwest Georgia Financial Corporation (NYSE American: SGB) (“SGB”), a full-service community bank holding c

March 26, 2020 425

FBMS / First Bancshares, Inc. (The) 425 - Merger Prospectus - 425

Filed by The First Bancshares, Inc. (Commission File No. 000-22507) Pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Company: Southwest Georgia Financial Corporation (Commission File No. 001-12053) Date: March 26, 2020 On March 25, 2020, Southwest Georgia Financial Corporation posted the following quest

March 25, 2020 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 25, 2020 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Georgia 001-12053 58-1392259 (State or other jurisdiction of incorporatio

March 25, 2020 DEFA14A

SGB / Southwest Georgia Financial Corp. DEFA14A - - DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ¨ Definitive Proxy State

March 25, 2020 EX-99.1

- MORE -

Exhibit 99.1 Southwest Georgia Financial Corporation 201 First Street S.E. Moultrie, GA 31768 PH: (229) 985-1120 FX: (229) 985-0251 News Release For Immediate Release Southwest Georgia Financial Corporation Announces Location Change of Special Meeting of Shareholders To Be Held On March 27, 2020 MOULTRIE, Ga., Mar. 24, 2020 – Southwest Georgia Financial Corporation (NYSE American: SGB) (“SGB”) tod

March 25, 2020 425

SGB / Southwest Georgia Financial Corp. 425 - Merger Prospectus - FORM 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 25, 2020 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Georgia 001-12053 58-1392259 (State or other jurisdiction of incorporatio

March 25, 2020 425

FBMS / First Bancshares, Inc. (The) 425 - Merger Prospectus - FORM 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 25, 2020 The First Bancshares, Inc. (Exact name of registrant as specified in its charter) Mississippi 000-22507 64-0862173 (State or other jurisdiction of incorporation) (Commi

March 25, 2020 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 25, 2020 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Georgia 001-12053 58-1392259 (State or other jurisdiction of incorporatio

March 25, 2020 EX-99.2

SOUTHWEST GEORGIA FINANCIAL CORPORATION P.O. Box 3488 201 First Street, S.E. Moultrie, Georgia 31768 IMPORTANT NOTICE FROM SOUTHWEST GEORGIA FINANCIAL CORPORATION ADDITIONAL INFORMATION REGARDING THE SPECIAL MEETING OF SHAREHOLDERS TO BE HELD ON MARC

Exhibit 99.2 SOUTHWEST GEORGIA FINANCIAL CORPORATION P.O. Box 3488 201 First Street, S.E. Moultrie, Georgia 31768 IMPORTANT NOTICE FROM SOUTHWEST GEORGIA FINANCIAL CORPORATION ADDITIONAL INFORMATION REGARDING THE SPECIAL MEETING OF SHAREHOLDERS TO BE HELD ON MARCH 27, 2020 The following Notice of Change of Location of Special Meeting of Shareholders (this “Notice”) supplements and relates to the o

March 25, 2020 425

SGB / Southwest Georgia Financial Corp. 425 - Merger Prospectus - FORM 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 25, 2020 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Georgia 001-12053 58-1392259 (State or other jurisdiction of incorporatio

March 25, 2020 EX-99.1

- MORE -

EX-99.1 2 tm2013689d1ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 Southwest Georgia Financial Corporation 201 First Street S.E. Moultrie, GA 31768 PH: (229) 985-1120 FX: (229) 985-0251 News Release For Immediate Release Southwest Georgia Financial Corporation Announces Location Change of Special Meeting of Shareholders To Be Held On March 27, 2020 MOULTRIE, Ga., Mar. 24, 2020 – Southwest Georgia Financial

March 25, 2020 DEFA14A

SGB / Southwest Georgia Financial Corp. DEFA14A - - DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ¨ Definitive Proxy State

March 25, 2020 EX-99.2

SOUTHWEST GEORGIA FINANCIAL CORPORATION P.O. Box 3488 201 First Street, S.E. Moultrie, Georgia 31768 IMPORTANT NOTICE FROM SOUTHWEST GEORGIA FINANCIAL CORPORATION ADDITIONAL INFORMATION REGARDING THE SPECIAL MEETING OF SHAREHOLDERS TO BE HELD ON MARC

EX-99.2 3 tm2013689d1ex99-2.htm EXHIBIT 99.2 Exhibit 99.2 SOUTHWEST GEORGIA FINANCIAL CORPORATION P.O. Box 3488 201 First Street, S.E. Moultrie, Georgia 31768 IMPORTANT NOTICE FROM SOUTHWEST GEORGIA FINANCIAL CORPORATION ADDITIONAL INFORMATION REGARDING THE SPECIAL MEETING OF SHAREHOLDERS TO BE HELD ON MARCH 27, 2020 The following Notice of Change of Location of Special Meeting of Shareholders (th

March 18, 2020 425

SGB / Southwest Georgia Financial Corp. 425 - Merger Prospectus - FORM 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 18, 2020 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Georgia 001-12053 58-1392259 (State or other jurisdiction of incorporatio

March 18, 2020 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 18, 2020 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Georgia 001-12053 58-1392259 (State or other jurisdiction of incorporatio

February 27, 2020 425

* * *

Filed by The First Bancshares, Inc. (Commission File No. 000-22507) Pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Company: Southwest Georgia Financial Corporation (Commission File No. 001-12053) Date: February 27, 2020 On February 27, 2020, Southwest Georgia Financial Corporation began soliciting pro

February 27, 2020 DEFA14A

SGB / Southwest Georgia Financial Corp. DEFA14A - - DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ¨ Definitive Proxy State

February 26, 2020 EX-99.1

Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend

EX-99.1 2 divrelease022620.htm FORM 8-K News Release CONTACTS: Company: Investor Relations: T. Garrett Westbrook, CPA Deborah K. Pawlowski Vice President and Controller Kei Advisors LLC Phone: (229) 873-3832 Phone: (716) 843-3908 [email protected] [email protected] For Immediate Release Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend MOULTRIE, GA, February 26,

February 26, 2020 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): February 26, 2020 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commissi

February 21, 2020 425

Your vote is very important. The Board of Directors of Southwest Georgia Financial Corporation recommends that you vote “FOR” the proposals to be presented at the Special Meeting of Shareholders.

Filed by The First Bancshares, Inc. (Commission File No. 000-22507) Pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Company: Southwest Georgia Financial Corporation (Commission File No. 001-12053) Date: February 21, 2019 On February 21, 2020, Southwest Georgia Financial Group distributed the following

February 21, 2020 DEFA14A

SGB / Southwest Georgia Financial Corp. DEFA14A - - DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ¨ Definitive Proxy State

February 20, 2020 DEF 14A

SGB / Southwest Georgia Financial Corp. DEF 14A - - DEF 14A

TABLE OF CONTENTS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ Defi

January 28, 2020 8-K

Current Report

Form 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 28, 2020 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Georgia 001-120535 58-1392259 (State or Other Jurisdiction (Co

January 28, 2020 EX-99.1

Southwest Georgia Financial Corporation Reports Fourth Quarter and Record Full Year 2019 Financial Results

EX-99.1 2 er1231.htm EX-99.1 News Release CONTACTS: Company: Investor Relations: T. Garrett Westbrook, CPA Deborah K. Pawlowski Vice President and Controller Kei Advisors LLC Phone: (229) 873-3832 Phone: (716) 843-3908 [email protected] [email protected] For Immediate Release Southwest Georgia Financial Corporation Reports Fourth Quarter and Record Full Year 2019 Financial Results MOU

January 15, 2020 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

Form 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 13, 2020 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Georgia 001-120535 58-1392259 (State or Other Jurisdiction (Co

January 13, 2020 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

Form 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 13, 2020 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Georgia 001-120535 58-1392259 (State or Other Jurisdiction (Co

January 7, 2020 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

Form 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 3, 2020 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Georgia 001-120535 58-1392259 (State or Other Jurisdiction (Com

December 19, 2019 425

SGB / Southwest Georgia Financial Corp. 425 - Merger Prospectus - 425

Filed by Southwest Georgia Financial Corporation Pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Company: Southwest Georgia Financial Corporation (Commission File No.

December 18, 2019 425

FIBH / First Bancshares, Inc. 425 - Merger Prospectus - 425

Filed by The First Bancshares, Inc. (Commission File No. 000-22507) Pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Company: Southwest Georgia Financial Corporation (Commission File No. 001-120535) Date: December 18, 2019 The following communication was provided to the employees of Southwest Georgia Fi

December 18, 2019 EX-10.1

Agreement, dated December 18, 2019, by and between The First Bancshares, Inc., Southwest Georgia Financial Corporation and DeWitt Drew

EX-10.1 3 tm1926521d1ex10-1.htm EXHIBIT 10.1 Exhibit 10.1 AGREEMENT THIS AGREEMENT (this “Agreement”), dated this 18th day of December, 2019, is entered into by and among The First Bancshares, Inc., a Mississippi corporation (“FBMS”), Southwest Georgia Financial Corporation, a Georgia corporation (“SWGB”), and George DeWitt Drew, an individual resident of the State of Georgia (“Executive”). WHEREA

December 18, 2019 EX-2.1

Agreement and Plan of Merger, dated December 18, 2019, by and between The First Bancshares, Inc. and Southwest Georgia Financial Corporation

EX-2.1 2 tm1926495d1ex2-1.htm EXHIBIT 2.1 Exhibit 2.1 Execution Version AGREEMENT AND PLAN OF MERGER by and between THE FIRST BANCSHARES, INC. and SOUTHWEST GEORGIA FINANCIAL CORPORATION Dated as of December 18, 2019 TABLE OF CONTENTS ARTICLE I THE MERGER 2 Section 1.01 The Merger 2 Section 1.02 Articles of Incorporation and Bylaws 2 Section 1.03 Bank Merger 2 Section 1.04 Directors and Officers 2

December 18, 2019 EX-99.1

The First Bancshares, Inc. and Southwest Georgia Financial Corporation Announce Merger Agreement

Exhibit 99.1 The First Bancshares, Inc. and Southwest Georgia Financial Corporation Announce Merger Agreement HATTIESBURG, Miss. and MOULTRIE, Ga., Dec. 18, 2019 – The First Bancshares, Inc. (NASDAQ: FBMS) (“The First Bancshares” or “the Company”), holding company for The First, A National Banking Association (“The First”), and Southwest Georgia Financial Corporation (NYSEAMERICAN: SGB) (“SGB”), p

December 18, 2019 EX-99.2

December 18, 2019 Acquisition of

Exhibit 99.2 December 18, 2019 Acquisition of 2 Safe Harbor ABOUT THE FIRST BANCSHARES, INC . The First Bancshares, Inc . (“FBMS” or the “Company”), headquartered in Hattiesburg, Mississippi, is the parent company of The First, A National Banking Association . Founded in 1996 , The First has operations in Mississippi, Louisiana, Alabama, Florida and Georgia . The Company’s stock is traded on NASDA

December 18, 2019 EX-2.1

Agreement and Plan of Merger, dated December 18, 2019, by and between The First Bancshares, Inc. and Southwest Georgia Financial Corporation

EX-2.1 2 tm1926521d1ex2-1.htm EXHIBIT 2.1 Exhibit 2.1 Execution Version AGREEMENT AND PLAN OF MERGER by and between THE FIRST BANCSHARES, INC. and SOUTHWEST GEORGIA FINANCIAL CORPORATION Dated as of December 18, 2019 TABLE OF CONTENTS ARTICLE I THE MERGER 1 Section 1.01 The Merger 1 Section 1.02 Articles of Incorporation and Bylaws 2 Section 1.03 Bank Merger 2 Section 1.04 Directors and Officers 2

December 18, 2019 EX-99.1

The First Bancshares, Inc. and Southwest Georgia Financial Corporation Announce Merger Agreement

EX-99.1 4 tm1926521d1ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 The First Bancshares, Inc. and Southwest Georgia Financial Corporation Announce Merger Agreement HATTIESBURG, Miss. and MOULTRIE, Ga., Dec. 18, 2019 – The First Bancshares, Inc. (NASDAQ: FBMS) (“The First Bancshares” or “the Company”), holding company for The First, A National Banking Association (“The First”), and Southwest Georgia Financi

December 18, 2019 425

SGB / Southwest Georgia Financial Corp. 425 - Merger Prospectus - FORM 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 18, 2019 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Georgia 001-12053 58-1392259 (State or other jurisdiction of incorpora

December 18, 2019 EX-10.1

Agreement, dated December 18, 2019, by and between The First Bancshares, Inc., Southwest Georgia Financial Corporation and DeWitt Drew

Exhibit 10.1 AGREEMENT THIS AGREEMENT (this “Agreement”), dated this 18th day of December, 2019, is entered into by and among The First Bancshares, Inc., a Mississippi corporation (“FBMS”), Southwest Georgia Financial Corporation, a Georgia corporation (“SWGB”), and George DeWitt Drew, an individual resident of the State of Georgia (“Executive”). WHEREAS, FBMS and SWGB have entered into an Agreeme

December 18, 2019 EX-2.1

Agreement and Plan of Merger, dated as of December 18, 2019, by and between The First Bancshares, Inc. and Southwest Georgia Financial Corporation (incorporated by reference to Exhibit 2.1 to Southwest Georgia Financial Corporation’s Current Report on Form 8-K filed on December 18, 2019)

EX-2.1 2 tm1926521d1ex2-1.htm EXHIBIT 2.1 Exhibit 2.1 Execution Version AGREEMENT AND PLAN OF MERGER by and between THE FIRST BANCSHARES, INC. and SOUTHWEST GEORGIA FINANCIAL CORPORATION Dated as of December 18, 2019 TABLE OF CONTENTS ARTICLE I THE MERGER 1 Section 1.01 The Merger 1 Section 1.02 Articles of Incorporation and Bylaws 2 Section 1.03 Bank Merger 2 Section 1.04 Directors and Officers 2

December 18, 2019 425

FIBH / First Bancshares, Inc. 425 - Merger Prospectus - FORM 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 18, 2019 The First Bancshares, Inc. (Exact name of registrant as specified in its charter) Mississippi 000-22507 64-0862173 (State or other jurisdiction of incorporation) (Co

December 18, 2019 EX-99.1

The First Bancshares, Inc. and Southwest Georgia Financial Corporation Announce Merger Agreement

EX-99.1 3 tm1926495d1ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 The First Bancshares, Inc. and Southwest Georgia Financial Corporation Announce Merger Agreement HATTIESBURG, Miss. and MOULTRIE, Ga., Dec. 18, 2019 – The First Bancshares, Inc. (NASDAQ: FBMS) (“The First Bancshares” or “the Company”), holding company for The First, A National Banking Association (“The First”), and Southwest Georgia Financi

December 18, 2019 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 18, 2019 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Georgia 001-12053 58-1392259 (State or other jurisdiction of incorpora

December 18, 2019 425

FIBH / First Bancshares, Inc. 425 - Merger Prospectus - 425

425 1 tm1926495d2425.htm 425 Filed by The First Bancshares, Inc. (Commission File No. 000-22507) Pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Company: Southwest Georgia Financial Corporation (Commission File No. 001-120535) Date: December 18, 2019 The following communication was provided to the empl

December 18, 2019 425

FIBH / First Bancshares, Inc. 425 - Merger Prospectus - 425

Filed by The First Bancshares, Inc. (Commission File No. 000-22507) Pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Company: Southwest Georgia Financial Corporation (Commission File No. 001-120535) Date: December 18, 2019 The following communication was provided to the employees of Southwest Georgia Fi

December 3, 2019 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

Form 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 27, 2019 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Georgia 001-120535 58-1392259 (State or Other Jurisdiction (C

November 20, 2019 EX-99.1

Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend

EX-99.1 2 divrelease112019.htm FORM 8-K News Release CONTACTS: Company: Investor Relations: Karen T. Boyd Deborah K. Pawlowski Senior Vice President and Treasurer Kei Advisors LLC Phone: (229) 873-3837 Phone: (716) 843-3908 [email protected] [email protected] For Immediate Release Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend MOULTRIE, GA, November 20, 2019

November 20, 2019 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): November 20, 2019 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commissi

November 12, 2019 10-Q

SGB / Southwest Georgia Financial Corp. 10-Q - Quarterly Report - FORM 10-Q

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q (Mark One) [ X ] Quarterly report under Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2019 [ ] Transition report under Section 13 or 15(d) of the Exchange Act. For the transition period from to Commission file number 1-12053 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact N

October 22, 2019 EX-99.1

Southwest Georgia Financial Corporation Net Income Increases 25% to $1.43 Million in the 2019 Third Quarter

News Release CONTACTS: Company: Investor Relations: Karen T. Boyd Deborah K. Pawlowski Senior Vice President and Treasurer Kei Advisors LLC Phone: (229) 873-3837 Phone: (716) 843-3908 [email protected] [email protected] For Immediate Release Southwest Georgia Financial Corporation Net Income Increases 25% to $1.43 Million in the 2019 Third Quarter MOULTRIE, GEORGIA, October 22, 2019 -

October 22, 2019 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): October 22, 2019 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commissio

October 1, 2019 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

Form 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 30, 2019 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Georgia 001-120535 58-1392259 (State or Other Jurisdiction (

October 1, 2019 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): July 23, 2019 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commission F

October 1, 2019 EX-99.1

Southwest Georgia Financial Corporation Reports 13% Net Income Growth for Second Quarter 2019

EX-99.1 2 er0619.htm EX-99.1 News Release CONTACTS: Company: Investor Relations: Karen T. Boyd Deborah K. Pawlowski Senior Vice President and Treasurer Kei Advisors LLC Phone: (229) 873-3837 Phone: (716) 843-3908 [email protected] [email protected] For Immediate Release Southwest Georgia Financial Corporation Reports 13% Net Income Growth for Second Quarter 2019 MOULTRIE, GA, July 23,

August 28, 2019 EX-99.1

Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend

EX-99.1 2 divrelease82819.htm EX-99.1 News Release CONTACTS: Company: Investor Relations: Karen T. Boyd Deborah K. Pawlowski Senior Vice President and Treasurer Kei Advisors LLC Phone: (229) 873-3837 Phone: (716) 843-3908 [email protected] [email protected] For Immediate Release Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend MOULTRIE, GA, August 28, 2019 - So

August 28, 2019 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): August 28, 2019 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commission

August 13, 2019 10-Q

SGB / Southwest Georgia Financial Corp. 10-Q - Quarterly Report - FORM 10-Q

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q (Mark One) [ X ] Quarterly report under Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2019 [ ] Transition report under Section 13 or 15(d) of the Exchange Act. For the transition period from to Commission file number 1-12053 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact Name O

July 23, 2019 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): July 23, 2019 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commission F

July 23, 2019 EX-99.1

Southwest Georgia Financial Corporation Reports 13% Net Income Growth for Second Quarter 2019

News Release CONTACTS: Company: Investor Relations: Karen T. Boyd Deborah K. Pawlowski Senior Vice President and Treasurer Kei Advisors LLC Phone: (229) 873-3837 Phone: (716) 843-3908 [email protected] [email protected] For Immediate Release Southwest Georgia Financial Corporation Reports 13% Net Income Growth for Second Quarter 2019 MOULTRIE, GA, July 23, 2019 - Southwest Georgia Fin

June 28, 2019 11-K

SGB / Southwest Georgia Financial Corp. 11-K - - FORM 11-K

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 [X] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the fiscal year ended December 31, 2018 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the transition period from to

May 30, 2019 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): May 30, 2019 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commission Fi

May 30, 2019 EX-99.1

Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend Company also announces results of shareholder voting

News Release CONTACTS: Company: Investor Relations: Karen T. Boyd Deborah K. Pawlowski Senior Vice President and Treasurer Kei Advisors LLC Phone: (229) 873-3837 Phone: (716) 843-3908 [email protected] [email protected] For Immediate Release Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend Company also announces results of shareholder voting MOULTRIE, GA, May 2

May 14, 2019 10-Q

SGB / Southwest Georgia Financial Corp. 10-Q Quarterly Report FORM 10Q

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q (Mark One) [ X ] Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended March 31, 2019 [ ] Transition report pursuant to Section 13 or 15(d) of the Exchange Act. For the transition period from to Commission file number 1-12053 SOUTHWEST GEORGIA FINANCIAL CORPORATION

April 23, 2019 EX-99.1

Southwest Georgia Financial Corporation Reports First Quarter 2019 Results

News Release CONTACTS: Company: Investor Relations: Karen T. Boyd Deborah K. Pawlowski Senior Vice President and Treasurer Kei Advisors LLC Phone: (229) 873-3837 Phone: (716) 843-3908 [email protected] [email protected] For Immediate Release Southwest Georgia Financial Corporation Reports First Quarter 2019 Results MOULTRIE, GA, April 23, 2019 - Southwest Georgia Financial Corporation

April 23, 2019 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): April 23, 2019 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commission

April 18, 2019 DEF 14A

SGB / Southwest Georgia Financial Corp. PROXY STATEMENT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) x Definitive Proxy State

March 29, 2019 EX-10.12

SOUTHWEST GEORGIA FINANCIAL CORPORATION RESTRICTED STOCK AWARD AGREEMENT

SOUTHWEST GEORGIA FINANCIAL CORPORATION RESTRICTED STOCK AWARD AGREEMENT THIS RESTRICTED STOCK AWARD AGREEMENT, (this “Agreement”), dated as of (the “Date of Grant”), is made by and between Southwest Georgia Financial Corporation (the “Company”), and (the “Grantee”).

March 29, 2019 EX-99.2 BYLAWS

Bylaws of the Corporation, as amended.

As Amended April 26, 2000 BY-LAWS OF SOUTHWEST GEORGIA FINANCIAL CORPORATION ARTICLE I OFFICES Section 1.

March 29, 2019 10-K

SGB / Southwest Georgia Financial Corp. FORM 10-K (Annual Report)

U.S. Securities and Exchange Commission Washington, D. C. 20549 Form 10-K [ X ] Annual report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2018 [ ] Transition report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to . Commission file number 001-12053 Southwest Georgia Financial C

March 29, 2019 EX-21

Subsidiaries of the Corporation

EXHIBIT 21 Subsidiaries of the Registrant Southwest Georgia Financial Corporation (1) Southwest Georgia Bank Moultrie, Georgia

February 27, 2019 EX-99.1

Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend

EX-99.1 2 divrelease22719.htm EX-99.1 News Release CONTACTS: Company: Investor Relations: Karen T. Boyd Deborah K. Pawlowski Senior Vice President and Treasurer Kei Advisors LLC Phone: (229) 873-3837 Phone: (716) 843-3908 [email protected] [email protected] For Immediate Release Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend MOULTRIE, GA, February 27, 2019 -

February 27, 2019 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): February 27, 2019 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commissi

January 22, 2019 EX-99.1

Southwest Georgia Financial Corporation Reports Record Earnings for 2018

News Release CONTACTS: Company: Investor Relations: Karen T. Boyd Deborah K. Pawlowski Senior Vice President and Treasurer Kei Advisors LLC Phone: (229) 873-3837 Phone: (716) 843-3908 [email protected] [email protected] For Immediate Release Southwest Georgia Financial Corporation Reports Record Earnings for 2018 MOULTRIE, GEORGIA, January 22, 2019 - Southwest Georgia Financial Corpor

January 22, 2019 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): January 22, 2019 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commissio

January 3, 2019 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): January 3, 2019 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commission

January 3, 2019 EX-99.1

Southwest Georgia Financial Corporation Announces John J. Cole Jr.’s Retirement

News Release CONTACTS: Company: Investor Relations: Karen T. Boyd Deborah K. Pawlowski Senior Vice President and Treasurer Kei Advisors LLC Phone: (229) 873-3837 Phone: (716) 843-3908 [email protected] [email protected] For Immediate Release Southwest Georgia Financial Corporation Announces John J. Cole Jr.’s Retirement MOULTRIE, GA, January 3, 2019 - Southwest Georgia Financial Corpo

December 26, 2018 8-K

Current Report

8-K 1 sgfc8k122018dekle-moritzevp.htm FORM 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): December 26, 2018 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-13

November 28, 2018 EX-99.1

Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend

News Release CONTACTS: Company: Investor Relations: Karen T. Boyd Deborah K. Pawlowski Senior Vice President and Treasurer Kei Advisors LLC Phone: (229) 873-3837 Phone: (716) 843-3908 [email protected] [email protected] For Immediate Release Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend MOULTRIE, GA, November 28, 2018 - Southwest Georgia Financial Corporatio

November 28, 2018 8-K

Current Report

8-K 1 sgfc8k112918.htm FORM 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): November 28, 2018 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or

November 14, 2018 10-Q

SGB / Southwest Georgia Financial Corp. FORM 10-Q (Quarterly Report)

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q (Mark One) [ X ] Quarterly report under Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2018 [ ] Transition report under Section 13 or 15(d) of the Exchange Act. For the transition period from to Commission file number 1-12053 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact N

October 30, 2018 EX-99.1

Southwest Georgia Financial Corporation Reports 21% Earnings Growth for Third Quarter 2018

News Release CONTACTS: Company: Investor Relations: Karen T. Boyd Deborah K. Pawlowski Senior Vice President and Treasurer Kei Advisors LLC Phone: (229) 873-3837 Phone: (716) 843-3908 [email protected] [email protected] For Immediate Release Southwest Georgia Financial Corporation Reports 21% Earnings Growth for Third Quarter 2018 MOULTRIE, GEORGIA, October 30, 2018 - Southwest Georgi

October 30, 2018 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): October 30, 2018 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commissio

August 29, 2018 EX-99.1

Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend

News Release CONTACTS: Company: Investor Relations: Karen T. Boyd Deborah K. Pawlowski Senior Vice President and Treasurer Kei Advisors LLC Phone: (229) 873-3837 Phone: (716) 843-3908 [email protected] [email protected] For Immediate Release Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend MOULTRIE, GA, August 29, 2018 - Southwest Georgia Financial Corporation

August 29, 2018 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): August 29, 2018 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commission

August 14, 2018 10-Q

SGB / Southwest Georgia Financial Corp. FORM 10-Q (Quarterly Report)

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q (Mark One) [ X ] Quarterly report under Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2018 [ ] Transition report under Section 13 or 15(d) of the Exchange Act. For the transition period from to Commission file number 1-12053 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact Name O

July 24, 2018 EX-99.1

Southwest Georgia Financial Corporation Reports 7% Earnings Growth for Second Quarter 2018

News Release CONTACTS: Company: Investor Relations: Karen T. Boyd Deborah K. Pawlowski Senior Vice President and Treasurer Kei Advisors LLC Phone: (229) 873-3837 Phone: (716) 843-3908 [email protected] [email protected] For Immediate Release Southwest Georgia Financial Corporation Reports 7% Earnings Growth for Second Quarter 2018 MOULTRIE, GEORGIA, July 24, 2018 - Southwest Georgia F

July 24, 2018 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): July 24, 2018 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commission F

June 25, 2018 11-K

SGB / Southwest Georgia Financial Corp. FORM 11-K

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 [X] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the fiscal year ended December 31, 2017 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the transition period from to

May 23, 2018 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): May 23, 2018 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commission Fi

May 23, 2018 EX-99.1

Southwest Georgia Financial Corporation Increases Quarterly Dividend 9% Company also announces results of shareholder voting

News Release CONTACTS: Company: Investor Relations: Karen T. Boyd Deborah K. Pawlowski Senior Vice President and Treasurer Kei Advisors LLC Phone: (229) 873-3837 Phone: (716) 843-3908 [email protected] [email protected] For Immediate Release Southwest Georgia Financial Corporation Increases Quarterly Dividend 9% Company also announces results of shareholder voting MOULTRIE, GEORGIA, M

May 15, 2018 10-Q

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q (Mark One) [ X ] Quarterly report under Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended March 31, 2018 [ ] Transition report under Section 13 or 15(d) of the Exchange Act. For the transition period from to Commission file number 1-12053 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact Name

April 24, 2018 EX-99.1

Southwest Georgia Financial Corporation Reports 16% Net Income Growth for First Quarter 2018

News Release CONTACTS: Company: Investor Relations: Karen T. Boyd Deborah K. Pawlowski Senior Vice President and Treasurer Kei Advisors LLC Phone: (229) 873-3837 Phone: (716) 843-3908 [email protected] [email protected] For Immediate Release Southwest Georgia Financial Corporation Reports 16% Net Income Growth for First Quarter 2018 MOULTRIE, GEORGIA, April 24, 2018 - Southwest Georgi

April 24, 2018 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): April 24, 2018 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commission

April 17, 2018 DEF 14A

SGB / Southwest Georgia Financial Corp. PROXY STATEMENT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) x Definitive Proxy State

March 30, 2018 EX-10.12

Form of Restricted Stock Award Agreement

SOUTHWEST GEORGIA FINANCIAL CORPORATION RESTRICTED STOCK AWARD AGREEMENT THIS RESTRICTED STOCK AWARD AGREEMENT, (this “Agreement”), dated as of (the “Date of Grant”), is made by and between Southwest Georgia Financial Corporation (the “Company”), and (the “Grantee”).

March 30, 2018 10-K

SGB / Southwest Georgia Financial Corp. FORM 10-K (Annual Report)

U.S. Securities and Exchange Commission Washington, D. C. 20549 Form 10-K [ X ] Annual report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2017 [ ] Transition report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to . Commission file number 001-12053 Southwest Georgia Financial C

March 30, 2018 EX-21

Subsidiaries of the Corporation

EXHIBIT 21 Subsidiaries of the Registrant Southwest Georgia Financial Corporation (1) Southwest Georgia Bank Moultrie, Georgia

February 28, 2018 EX-99.1

Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend

News Release CONTACTS: Company: Investor Relations: Karen T. Boyd Deborah K. Pawlowski Senior Vice President and Treasurer Kei Advisors LLC Phone: (229) 873-3837 Phone: (716) 843-3908 [email protected] [email protected] For Immediate Release Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend MOULTRIE, GA, February 28, 2018 - Southwest Georgia Financial Corporatio

February 28, 2018 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): February 28, 2018 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commissi

January 23, 2018 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): January 23, 2018 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commissio

January 23, 2018 EX-99.1

Southwest Georgia Financial Corporation Reports Fourth Quarter and Full Year 2017 Financial Results

News Release CONTACTS: Company: Investor Relations: Karen T. Boyd Deborah K. Pawlowski Senior Vice President and Treasurer Kei Advisors LLC Phone: (229) 873-3837 Phone: (716) 843-3908 [email protected] [email protected] For Immediate Release Southwest Georgia Financial Corporation Reports Fourth Quarter and Full Year 2017 Financial Results MOULTRIE, GEORGIA, January 23, 2018 - Southwe

January 3, 2018 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): January 3, 2018 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commission

January 3, 2018 EX-99.1

Southwest Georgia Financial Corporation Announces George R. Kirkland’s Retirement

News Release CONTACTS: Company: Investor Relations: Karen T. Boyd Deborah K. Pawlowski Senior Vice President and Treasurer Kei Advisors LLC Phone: (229) 873-3837 Phone: (716) 843-3908 [email protected] [email protected] For Immediate Release Southwest Georgia Financial Corporation Announces George R. Kirkland?s Retirement MOULTRIE, GA, January 3, 2018 - Southwest Georgia Financial Cor

November 30, 2017 EX-99.1

Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend

News Release CONTACTS: Company: Investor Relations: Karen T. Boyd Deborah K. Pawlowski Senior Vice President and Treasurer Kei Advisors LLC Phone: (229) 873-3837 Phone: (716) 843-3908 [email protected] [email protected] For Immediate Release Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend MOULTRIE, GA, November 29, 2017 - Southwest Georgia Financial Corporatio

November 30, 2017 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): November 29, 2017 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commissi

November 14, 2017 10-Q

SGB / Southwest Georgia Financial Corp. FORM 10-Q (Quarterly Report)

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q (Mark One) [ X ] Quarterly report under Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2017 [ ] Transition report under Section 13 or 15(d) of the Exchange Act. For the transition period from to Commission file number 1-12053 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact N

October 24, 2017 EX-99.1

Southwest Georgia Financial Corporation Reports 2017 Third Quarter Results

News Release CONTACTS: Company: Investor Relations: Karen T. Boyd Deborah K. Pawlowski Senior Vice President and Treasurer Kei Advisors LLC Phone: (229) 873-3837 Phone: (716) 843-3908 [email protected] [email protected] For Immediate Release Southwest Georgia Financial Corporation Reports 2017 Third Quarter Results MOULTRIE, GEORGIA, October 24, 2017 - Southwest Georgia Financial Corp

October 24, 2017 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): October 24, 2017 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commissio

August 30, 2017 EX-99.1

Southwest Georgia Financial Corporation Appoints Karen T. Boyd Senior Vice President and Treasurer

News Release CONTACTS: Company: Investor Relations: Karen T. Boyd Deborah K. Pawlowski Senior Vice President and Treasurer Kei Advisors LLC Phone: (229) 873-3837 Phone: (716) 843-3908 [email protected] [email protected] For Immediate Release Southwest Georgia Financial Corporation Appoints Karen T. Boyd Senior Vice President and Treasurer MOULTRIE, GA, August 29, 2017 - Southwest Geor

August 30, 2017 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): August 30, 2017 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commission

August 23, 2017 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): August 23, 2017 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commission

August 23, 2017 EX-99.1

Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend

News Release CONTACTS: Company: Investor Relations: George R. Kirkland Deborah K. Pawlowski Executive Vice President, CFO and Treasurer Kei Advisors LLC Phone: (229) 873-3830 Phone: (716) 843-3908 [email protected] [email protected] For Immediate Release Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend MOULTRIE, GA, August 23, 2017 - Southwest Georgia Financial

August 14, 2017 10-Q

SGB / Southwest Georgia Financial Corp. FORM 10-Q (Quarterly Report)

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q (Mark One) [ X ] Quarterly report under Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2017 [ ] Transition report under Section 13 or 15(d) of the Exchange Act. For the transition period from to Commission file number 1-12053 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact Name O

July 25, 2017 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): July 25, 2017 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commission F

July 25, 2017 EX-99.1

Southwest Georgia Financial Corporation Reports 6% Earnings Growth for 2017 Second Quarter

News Release CONTACTS: Company: Investor Relations: George R. Kirkland Deborah K. Pawlowski Executive Vice President, CFO and Treasurer Kei Advisors LLC Phone: (229) 873-3830 Phone: (716) 843-3908 [email protected] [email protected] For Immediate Release Southwest Georgia Financial Corporation Reports 6% Earnings Growth for 2017 Second Quarter MOULTRIE, GEORGIA, July 25, 2017 - Southw

July 7, 2017 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): July 7, 2017 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commission Fi

June 29, 2017 11-K

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 [X] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the fiscal year

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 [X] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the fiscal year ended December 31, 2016 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the transition period from to

May 25, 2017 8-K

Southwest Georgia Financial FORM 8-K (Current Report/Significant Event)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): May 25, 2017 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commission Fi

May 25, 2017 EX-99.1

Southwest Georgia Financial Corporation Chairman of the Board, Michael J. McLean Retires; Roy H. Reeves Named New Chairman Company also declares quarterly cash dividend and announces results of shareholder voting

News Release CONTACTS: Company: Investor Relations: George R. Kirkland Deborah K. Pawlowski Executive Vice President, CFO and Treasurer Kei Advisors LLC Phone: (229) 873-3830 Phone: (716) 843-3908 [email protected] [email protected] For Immediate Release Southwest Georgia Financial Corporation Chairman of the Board, Michael J. McLean Retires; Roy H. Reeves Named New Chairman Company a

May 15, 2017 10-Q

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q (Mark One) [ X ] Quarterly report under Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended March 31, 2017 [ ] Transition report under Section 13 or 15(d) of the Exchange Act. For the transition period from to Commission file number 1-12053 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact Name

April 26, 2017 EX-99.1

Southwest Georgia Financial Corporation Reports Record Earnings per Share for 2017 First Quarter

News Release CONTACTS: Company: Investor Relations: George R. Kirkland Deborah K. Pawlowski Executive Vice President, CFO and Treasurer Kei Advisors LLC Phone: (229) 873-3830 Phone: (716) 843-3908 [email protected] [email protected] For Immediate Release Southwest Georgia Financial Corporation Reports Record Earnings per Share for 2017 First Quarter MOULTRIE, GEORGIA, April 25, 2017 -

April 26, 2017 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): April 25, 2017 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commission

April 20, 2017 DEF 14A

Southwest Georgia Financial PROXY STATEMENT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.) Filed by the Registrant [X] Filed by a Party other than the Registrant [ ] Check the appropriate box: [ ] Preliminary Proxy Statement [ ]

March 31, 2017 EX-10.12

Pension Retirement Plan of the Corporation

SOUTHWEST GEORGIA FINANCIAL CORPORATION PENSION RETIREMENT PLAN As Amended and Restated Effective as of January 1, 2015 24079548v1 Table of Contents Page ARTICLE I CONSTRUCTION AND DEFINITIONS.

March 31, 2017 EX-10.11

Southwest Georgia Bank 401(k) Plan

THE RETIREMENT ADVANTAGE, INC. DEFINED CONTRIBUTION VOLUME SUBMITTER PLAN AND TRUST TABLE OF CONTENTS ARTICLE I DEFINITIONS ARTICLE II ADMINISTRATION 2.1 POW ERS AND RESPONSIBILITIES OF THE EMPLOYER .................................................................................................. 15 2.2 DESIGNATION OF ADMINISTRATIVE AUTHORITY .......................................................

March 31, 2017 EX-10.10

Employee Stock Ownership Plan and Trust of the Corporation

EMPLOYEE STOCK OWNERSHIP PLAN AND TRUST OF SOUTHWEST GEORGIA FINANCIAL CORPORATION (Amended and Restated Effective as of January 1, 2014) TABLE OF CONTENTS Page ARTICLE I DEFINITIONS.

March 31, 2017 10-K

U.S. Securities and Exchange Commission Washington, D. C. 20549 Form 10-K [ X ] Annual report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2016 [ ] Transition report pursuant to section

U.S. Securities and Exchange Commission Washington, D. C. 20549 Form 10-K [ X ] Annual report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2016 [ ] Transition report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to . Commission file number 001-12053 Southwest Georgia Financial C

March 31, 2017 EX-10.3

Amendment No. 1 to Directors and Executive Officers Stock Purchase Plan of the Corporation

AMENDMENT NO. 1 TO THE SOUTHWEST GEORGIA FINANCIAL CORPORATION DIRECTORS AND EXECUTIVE OFFICERS STOCK PURCHASE PLAN THIS AMENDMENT NO. 1 is made as of the 23 day of March, 2016 by Southwest Georgia Financial Corporation, a holding company organized under the laws of the State of Georgia (the “Company”), to be effective as set forth herein. W I T N E S S E T H: WHEREAS, the Company previously estab

February 24, 2017 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): February 23, 2017 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commissi

February 24, 2017 EX-99.1

Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend

News Release CONTACTS: Company: Investor Relations: George R. Kirkland Deborah K. Pawlowski Executive Vice President, CFO and Treasurer Kei Advisors LLC Phone: (229) 873-3830 Phone: (716) 843-3908 [email protected] [email protected] For Immediate Release Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend MOULTRIE, GA, February 23, 2017 - Southwest Georgia Financi

January 24, 2017 EX-99.1

Southwest Georgia Financial Corporation Reports Net Income Grew 20% to Record Earnings per Share for 2016

News Release CONTACTS: Company: Investor Relations: George R. Kirkland Deborah K. Pawlowski Executive Vice President, CFO and Treasurer Kei Advisors LLC Phone: (229) 873-3830 Phone: (716) 843-3908 [email protected] [email protected] For Immediate Release Southwest Georgia Financial Corporation Reports Net Income Grew 20% to Record Earnings per Share for 2016 MOULTRIE, GEORGIA, January

January 24, 2017 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): January 24, 2017 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commissio

November 16, 2016 EX-99.1

Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend

News Release CONTACTS: Company: Investor Relations: George R. Kirkland Deborah K. Pawlowski Executive Vice President, CFO and Treasurer Kei Advisors LLC Phone: (229) 873-3830 Phone: (716) 843-3908 [email protected] [email protected] For Immediate Release Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend MOULTRIE, GA, November 16, 2016 - Southwest Georgia Financi

November 16, 2016 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): November 16, 2016 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commissi

November 14, 2016 10-Q

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q

10-Q 1 tenq916.htm FORM 10-Q SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q (Mark One) [ X ] Quarterly report under Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2016 [ ] Transition report under Section 13 or 15(d) of the Exchange Act. For the transition period from to Commission file number 1-12053 SOUTHWEST GEORGIA F

October 26, 2016 EX-99.1

Southwest Georgia Financial Corporation Announces $1.75 Million Share Repurchase Program

News Release CONTACTS: Company: Investor Relations: George R. Kirkland Deborah K. Pawlowski Executive Vice President, CFO and Treasurer Kei Advisors LLC Phone: (229) 873-3830 Phone: (716) 843-3908 [email protected] [email protected] For Immediate Release Southwest Georgia Financial Corporation Announces $1.75 Million Share Repurchase Program MOULTRIE, GEORGIA, October 26, 2016 - South

October 26, 2016 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): October 26, 2016 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commissio

October 25, 2016 EX-99.1

Southwest Georgia Financial Corporation Reports 13% Increase in Net Income for the 2016 Third Quarter

News Release CONTACTS: Company: Investor Relations: George R. Kirkland Deborah K. Pawlowski Executive Vice President, CFO and Treasurer Kei Advisors LLC Phone: (229) 873-3830 Phone: (716) 843-3908 [email protected] [email protected] For Immediate Release Southwest Georgia Financial Corporation Reports 13% Increase in Net Income for the 2016 Third Quarter MOULTRIE, GEORGIA, October 25,

October 25, 2016 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): October 25, 2016 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commissio

August 24, 2016 EX-99.1

Southwest Georgia Financial Corporation Increases Quarterly Cash Dividend 10%

News Release INVESTOR AND MEDIA CONTACT: George R. Kirkland Executive Vice President, CFO and Treasurer Phone: (229) 873-3830 [email protected] For Immediate Release Southwest Georgia Financial Corporation Increases Quarterly Cash Dividend 10% MOULTRIE, GEORGIA, August 24, 2016 - Southwest Georgia Financial Corporation (NYSE MKT: SGB), the parent company of Southwest Georgia Bank, announced th

August 24, 2016 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): August 24, 2016 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commission

August 24, 2016 EX-99.1

Southwest Georgia Financial Corporation Increases Quarterly Cash Dividend 10%

News Release INVESTOR AND MEDIA CONTACT: George R. Kirkland Executive Vice President, CFO and Treasurer Phone: (229) 873-3830 [email protected] For Immediate Release Southwest Georgia Financial Corporation Increases Quarterly Cash Dividend 10% MOULTRIE, GEORGIA, August 24, 2016 - Southwest Georgia Financial Corporation (NYSE MKT: SGB), the parent company of Southwest Georgia Bank, announced th

August 24, 2016 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): August 24, 2016 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commission

August 15, 2016 10-Q

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q (Mark One) [ X ] Quarterly report under Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2016 [ ] Transition report under Section 13 or 15(d) of the Exchange Act. For the transition period from to Commission file number 1-12053 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact Name O

August 15, 2016 10-Q

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q (Mark One) [ X ] Quarterly report under Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2016 [ ] Transition report under Section 13 or 15(d) of the Exchange Act. For the transition period from to Commission file number 1-12053 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact Name O

July 22, 2016 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): July 21, 2016 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commission F

July 22, 2016 EX-99.1

Southwest Georgia Financial Corporation Reports 17% Increase in Net Income for the 2016 Second Quarter

News Release INVESTOR AND MEDIA CONTACT: George R. Kirkland Executive Vice President, CFO, and Treasurer Phone: (229) 873-3830 [email protected] For Immediate Release Southwest Georgia Financial Corporation Reports 17% Increase in Net Income for the 2016 Second Quarter MOULTRIE, GEORGIA, July 21, 2016 - Southwest Georgia Financial Corporation (the ?Corporation?) (NYSE MKT: SGB), a full-service

June 28, 2016 11-K

Southwest Georgia Financial 11-K

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 [X] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the fiscal year ended December 31, 2015 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the transition period from to

May 26, 2016 8-K

Southwest Georgia Financial FORM 8-K (Current Report/Significant Event)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): May 26, 2016 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commission Fi

May 26, 2016 EX-99.1

Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend, Announces Results of Shareholder Voting

News Release INVESTOR AND MEDIA CONTACT: George R. Kirkland Executive Vice President, CFO and Treasurer Phone: (229) 873-3830 [email protected] For Immediate Release Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend, Announces Results of Shareholder Voting MOULTRIE, GEORGIA, May 26, 2016 - Southwest Georgia Financial Corporation (NYSE MKT: SGB), the parent company of Sou

May 16, 2016 10-Q

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q (Mark One) [ X ] Quarterly report under Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended March 31, 2016 [ ] Transition report under Section 13 or 15(d) of the Exchange Act. For the transition period from to Commission file number 1-12053 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact Name

April 22, 2016 EX-99.1

Southwest Georgia Financial Corporation Reports 30% Net Income Growth for 2016 First Quarter

News Release INVESTOR AND MEDIA CONTACT: George R. Kirkland Executive Vice President, CFO, and Treasurer Phone: (229) 873-3830 [email protected] For Immediate Release Southwest Georgia Financial Corporation Reports 30% Net Income Growth for 2016 First Quarter MOULTRIE, GEORGIA, April 22, 2016 - Southwest Georgia Financial Corporation (the “Corporation”) (NYSE MKT: SGB), a full-service communit

April 22, 2016 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): April 22, 2016 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commission

April 14, 2016 DEF 14A

Southwest Georgia Financial PROXY STATEMENT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.) Filed by the Registrant [X] Filed by a Party other than the Registrant [ ] Check the appropriate box: [ ] Preliminary Proxy Statement [ ]

April 4, 2016 PRE 14A

Southwest Georgia Financial PROXY STATEMENT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.) Filed by the Registrant [X] Filed by a Party other than the Registrant [ ] Check the appropriate box: [X] Preliminary Proxy Statement [ ]

March 30, 2016 10-K

U.S. Securities and Exchange Commission Washington, D. C. 20549 Form 10-K [ X ] Annual report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2015 [ ] Transition report pursuant to section

U.S. Securities and Exchange Commission Washington, D. C. 20549 Form 10-K [ X ] Annual report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2015 [ ] Transition report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to . Commission file number 001-12053 Southwest Georgia Financial C

February 24, 2016 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): February 24, 2016 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commissi

February 24, 2016 EX-99.1

Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend

News Release INVESTOR AND MEDIA CONTACT: George R. Kirkland Executive Vice President, CFO and Treasurer Phone: (229) 873-3830 [email protected] For Immediate Release Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend MOULTRIE, GEORGIA, February 24, 2016 - Southwest Georgia Financial Corporation (NYSE MKT: SGB), the parent company of Southwest Georgia Bank, announced that

January 26, 2016 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): January 26, 2016 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commissio

January 26, 2016 EX-99.1

Southwest Georgia Financial Corporation Reports Record Earnings per Share for 2015

News Release INVESTOR AND MEDIA CONTACT: George R. Kirkland Executive Vice President, CFO, and Treasurer Phone: (229) 873-3830 [email protected] For Immediate Release Southwest Georgia Financial Corporation Reports Record Earnings per Share for 2015 MOULTRIE, GEORGIA, January 26, 2016 - Southwest Georgia Financial Corporation (the ?Corporation?) (NYSE MKT: SGB), a full-service community bank h

December 17, 2015 EX-99.1

Southwest Georgia Financial Corporation to Expand into Tift County; Announces Two Management Additions to Support Continued Growth

News Release INVESTOR AND MEDIA CONTACT: George R. Kirkland Executive Vice President, CFO and Treasurer Phone: (229) 873-3830 [email protected] For Immediate Release Southwest Georgia Financial Corporation to Expand into Tift County; Announces Two Management Additions to Support Continued Growth MOULTRIE, GEORGIA, December 16, 2015 - Southwest Georgia Financial Corporation (NYSE MKT: SGB), the

December 17, 2015 8-K

Southwest Georgia Financial FORM 8-K (Current Report/Significant Event)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): December 16, 2015 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commissi

November 18, 2015 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): November 18, 2015 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commissi

November 18, 2015 EX-99.1

Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend

News Release INVESTOR AND MEDIA CONTACT: George R. Kirkland Executive Vice President, CFO and Treasurer Phone: (229) 873-3830 [email protected] For Immediate Release Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend MOULTRIE, GEORGIA, November 18, 2015 - Southwest Georgia Financial Corporation (NYSE MKT: SGB), the parent company of Southwest Georgia Bank, announced that

November 13, 2015 10-Q

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q (Mark One) [ X ] Quarterly report under Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2015 [ ] Transition report under Section 13 or 15(d) of the Exchange Act. For the transition period from to Commission file number 1-12053 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact N

October 23, 2015 EX-99.1

Southwest Georgia Financial Corporation Reports 7% Increase in Net Income for Third Quarter 2015

News Release INVESTOR AND MEDIA CONTACT: George R. Kirkland Executive Vice President, CFO, and Treasurer Phone: (229) 873-3830 [email protected] For Immediate Release Southwest Georgia Financial Corporation Reports 7% Increase in Net Income for Third Quarter 2015 MOULTRIE, GEORGIA, October 22, 2015 - Southwest Georgia Financial Corporation (the ?Corporation?) (NYSE MKT: SGB), a full-service co

October 23, 2015 8-K

Southwest Georgia Financial FORM 8-K (Current Report/Significant Event)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): October 22, 2015 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commissio

August 26, 2015 EX-99.1

Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend

News Release INVESTOR AND MEDIA CONTACT: George R. Kirkland Executive Vice President, CFO and Treasurer Phone: (229) 873-3830 [email protected] For Immediate Release Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend MOULTRIE, GEORGIA, August 26, 2015 - Southwest Georgia Financial Corporation (NYSE MKT: SGB), the parent company of Southwest Georgia Bank, announced that it

August 26, 2015 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): August 26, 2015 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commission

August 14, 2015 10-Q

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q (Mark One) [ X ] Quarterly report under Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2015 [ ] Transition report under Section 13 or 15(d) of the Exchange Act. For the transition period from to Commission file number 1-12053 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact Name O

July 16, 2015 EX-99.1

Southwest Georgia Financial Corporation Reports 17% Increase in Net Income for Second Quarter 2015

News Release INVESTOR AND MEDIA CONTACT: George R. Kirkland Executive Vice President, CFO, and Treasurer Phone: (229) 873-3830 [email protected] For Immediate Release Southwest Georgia Financial Corporation Reports 17% Increase in Net Income for Second Quarter 2015 MOULTRIE, GEORGIA, July 17, 2015 - Southwest Georgia Financial Corporation (the “Corporation”) (NYSE MKT: SGB), a full-service com

July 16, 2015 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): July 16, 2015 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commission F

June 30, 2015 11-K

Southwest Georgia Financial 11-K

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 [X] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the fiscal year ended December 31, 2014 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the transition period from to

May 27, 2015 8-K

Southwest Georgia Financial FORM 8-K (Current Report/Significant Event)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): May 27, 2015 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commission Fi

May 27, 2015 EX-99.1

Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend, Announces Results of Shareholder Voting

News Release INVESTOR AND MEDIA CONTACT: George R. Kirkland Executive Vice President, CFO, and Treasurer Phone: (229) 873-3830 [email protected] For Immediate Release Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend, Announces Results of Shareholder Voting MOULTRIE, GEORGIA, May 27, 2015 - Southwest Georgia Financial Corporation (NYSE MKT: SGB), the parent company of So

May 15, 2015 10-Q

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q (Mark One) [ X ] Quarterly report under Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended March 31, 2015 [ ] Transition report under Section 13 or 15(d) of the Exchange Act. For the transition period from to Commission file number 1-12053 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact Name

April 23, 2015 EX-99.1

Southwest Georgia Financial Corporation Net Income Grows 15.4% in First Quarter 2015

News Release INVESTOR AND MEDIA CONTACT: George R. Kirkland Executive Vice President and Treasurer Phone: (229) 873-3830 [email protected] For Immediate Release Southwest Georgia Financial Corporation Net Income Grows 15.4% in First Quarter 2015 MOULTRIE, GEORGIA, April 22, 2015 - Southwest Georgia Financial Corporation (the “Corporation”) (NYSE MKT: SGB), a full-service community bank holding

April 23, 2015 8-K

Southwest Georgia Financial FORM 8-K (Current Report/Significant Event)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): April 22, 2015 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commission

April 14, 2015 DEF 14A

Southwest Georgia Financial PROXY STATEMENT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.) Filed by the Registrant [X] Filed by a Party other than the Registrant [ ] Check the appropriate box: [ ] Preliminary Proxy Statement [ ]

March 31, 2015 10-K

U.S. Securities and Exchange Commission Washington, D. C. 20549 Form 10-K [ X ] Annual report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2014 [ ] Transition report pursuant to section

U.S. Securities and Exchange Commission Washington, D. C. 20549 Form 10-K [ X ] Annual report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2014 [ ] Transition report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to . Commission file number 001-12053 Southwest Georgia Financial C

February 26, 2015 EX-99.1

Southwest Georgia Financial Corporation Increases Quarterly Cash Dividend 25%

News Release INVESTOR AND MEDIA CONTACT: George R. Kirkland Executive Vice President and CFO Phone: (229) 873-3830 [email protected] For Immediate Release Southwest Georgia Financial Corporation Increases Quarterly Cash Dividend 25% MOULTRIE, GEORGIA, February 26, 2015 - Southwest Georgia Financial Corporation (NYSE MKT: SGB), the parent company of Southwest Georgia Bank, announced that its Bo

February 26, 2015 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): February 26, 2015 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commissi

January 26, 2015 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): January 26, 2015 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commissio

January 26, 2015 EX-99.1

Southwest Georgia Financial Corporation Reports Net Income Growth for 2014

News Release INVESTOR AND MEDIA CONTACT: George R. Kirkland Executive Vice President and Chief Financial Officer Phone: (229) 873-3830 [email protected] For Immediate Release Southwest Georgia Financial Corporation Reports Net Income Growth for 2014 MOULTRIE, GEORGIA, January 26, 2015 - Southwest Georgia Financial Corporation (the “Corporation”) (NYSE MKT: SGB), a full-service community bank h

November 20, 2014 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): November 20, 2014 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commissi

November 20, 2014 EX-99.1

Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend

News Release INVESTOR AND MEDIA CONTACT: George R. Kirkland Executive Vice President and CFO Phone: (229) 873-3830 [email protected] For Immediate Release Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend MOULTRIE, GEORGIA, November 20, 2014 - Southwest Georgia Financial Corporation (NYSE MKT: SGB), the parent company of Southwest Georgia Bank, announced that its Board o

November 14, 2014 10-Q

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q (Mark One) [ X ] Quarterly report under Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2014 [ ] Transition report under Section 13 or 15(d) of the Exchange Act. For the transition period from to Commission file number 1-12053 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact N

October 22, 2014 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): October 22, 2014 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commissio

October 22, 2014 EX-99.1

Southwest Georgia Financial Corporation Reports 24% Increase in Net Income for Third Quarter 2014

News Release INVESTOR AND MEDIA CONTACT: George R. Kirkland Executive Vice President and Treasurer Phone: (229) 873-3830 [email protected] For Immediate Release Southwest Georgia Financial Corporation Reports 24% Increase in Net Income for Third Quarter 2014 MOULTRIE, GEORGIA, October 22, 2014 - Southwest Georgia Financial Corporation (the “Corporation”) (NYSE MKT: SGB), a full-service communi

August 28, 2014 8-K

8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): August 28, 2014 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commission

August 28, 2014 EX-99.1

Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend

News Release INVESTOR AND MEDIA CONTACT: George R. Kirkland Executive Vice President and CFO Phone: (229) 873-3830 [email protected] For Immediate Release Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend MOULTRIE, GEORGIA, August 28, 2014 - Southwest Georgia Financial Corporation (NYSE MKT: SGB), the parent company of Southwest Georgia Bank, announced that its Board of

August 14, 2014 10-Q

SECURITIES AND EXCHANGE COMMISSION

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q (Mark One) [ X ] Quarterly report under Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2014 [ ] Transition report under Section 13 or 15(d) of the Exchange Act. For the transition period from to Commission file number 1-12053 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact Name O

July 25, 2014 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): July 25, 2014 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commission F

July 25, 2014 EX-99.1

Southwest Georgia Financial Corporation Reports Second Quarter 2014 Results

News Release INVESTOR AND MEDIA CONTACT: George R. Kirkland Executive Vice President and CFO Phone: (229) 873-3830 [email protected] For Immediate Release Southwest Georgia Financial Corporation Reports Second Quarter 2014 Results MOULTRIE, GEORGIA, July 25, 2014 - Southwest Georgia Financial Corporation (the “Corporation”) (NYSE MKT: SGB), a full-service community bank holding company, today

June 30, 2014 11-K

SGB / Southwest Georgia Financial Corp. 11-K - - SOUTHWEST GEORGIA FINANCIAL CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN AND TRUST

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 [X] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the fiscal year ended December 31, 2013 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the transition period from to

May 28, 2014 8-K

- FORM 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): May 28, 2014 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commission Fi

May 28, 2014 EX-99.1

Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend, Announces Results of Shareholder Voting

News Release INVESTOR AND MEDIA CONTACT: George R. Kirkland Executive Vice President and Treasurer Phone: (229) 873-3830 [email protected] For Immediate Release Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend, Announces Results of Shareholder Voting MOULTRIE, GEORGIA, May 28, 2014 - Southwest Georgia Financial Corporation (NYSE MKT: SGB), the parent company of Southwes

May 15, 2014 10-Q

SECURITIES AND EXCHANGE COMMISSION

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q (Mark One) [ X ] Quarterly report under Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended March 31, 2014 [ ] Transition report under Section 13 or 15(d) of the Exchange Act. For the transition period from to Commission file number 1-12053 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact Name

April 22, 2014 EX-99.1

Southwest Georgia Financial Corporation Reports First Quarter 2014 Results

News Release INVESTOR AND MEDIA CONTACT: George R. Kirkland Executive Vice President and Treasurer Phone: (229) 873-3830 [email protected] For Immediate Release Southwest Georgia Financial Corporation Reports First Quarter 2014 Results MOULTRIE, GEORGIA, April 22, 2014 - Southwest Georgia Financial Corporation (the “Corporation”) (NYSE MKT: SGB), a full-service community bank holding company,

April 22, 2014 8-K

- FORM 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): April 22, 2014 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commission

April 17, 2014 DEF 14A

2013 Omnibus Incentive Plan of the Corporation

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.) Filed by the Registrant [X] Filed by a Party other than the Registrant [ ] Check the appropriate box: [ ] Preliminary Proxy Statement [ ]

April 7, 2014 PRE 14A

- PRELIMINARY PROXY STATEMENT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.) Filed by the Registrant [X] Filed by a Party other than the Registrant [ ] Check the appropriate box: [ ] Preliminary Proxy Statement [ ]

March 31, 2014 10-K

U.S. Securities and Exchange Commission Washington, D. C. 20549 Form 10-K [ X ] Annual report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2013 [ ] Transition report pursuant to section

U.S. Securities and Exchange Commission Washington, D. C. 20549 Form 10-K [ X ] Annual report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2013 [ ] Transition report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to . Commission file number 001-12053 Southwest Georgia Financial C

March 31, 2014 EX-10.14

AMENDMENT NO. 3 TO THE EMPLOYEE STOCK OWNERSHIP PLAN AND TRUST OF SOUTHWEST GEORGIA FINANCIAL CORPORATION (As Amended and Restated Effective as of January 1, 2009)

AMENDMENT NO. 3 TO THE EMPLOYEE STOCK OWNERSHIP PLAN AND TRUST OF SOUTHWEST GEORGIA FINANCIAL CORPORATION (As Amended and Restated Effective as of January 1, 2009) THIS AMENDMENT is made as of this 25 day of September, 2013, by SOUTHWEST GEORGIA FINANCIAL CORPORATION, a holding company organized under the laws of the State of Georgia (the ?Company?) and SOUTHWEST GEORGIA BANK, a state banking asso

February 27, 2014 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): February 27, 2014 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commissi

February 27, 2014 EX-99.1 CHARTER

Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend

News Release INVESTOR AND MEDIA CONTACT: George R. Kirkland Senior Vice President and Treasurer Phone: (229) 873-3830 [email protected] For Immediate Release Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend MOULTRIE, GEORGIA, February 27, 2014 - Southwest Georgia Financial Corporation (NYSE MKT: SGB), the parent company of Southwest Georgia Bank, announced that its Boar

January 22, 2014 EX-99.1

Southwest Georgia Financial Corporation Reports Fourth Quarter and 2013 Results

News Release INVESTOR AND MEDIA CONTACT: George R. Kirkland Senior Vice President and Treasurer Phone: (229) 873-3830 [email protected] For Immediate Release Southwest Georgia Financial Corporation Reports Fourth Quarter and 2013 Results MOULTRIE, GEORGIA, January 22, 2014 - Southwest Georgia Financial Corporation (the “Corporation”) (NYSE MKT: SGB), a full-service community bank holding compa

January 22, 2014 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): January 22, 2014 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commissio

November 21, 2013 EX-99.1

Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend

News Release INVESTOR AND MEDIA CONTACT: George R. Kirkland Senior Vice President and Treasurer Phone: (229) 873-3830 [email protected] For Immediate Release Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend MOULTRIE, GEORGIA, November 21, 2013 - Southwest Georgia Financial Corporation (NYSE MKT: SGB), the parent company of Southwest Georgia Bank, announced that its Boar

November 21, 2013 8-K

- FORM 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): November 21, 2013 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commissi

November 14, 2013 10-Q

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q (Mark One) [ X ] Quarterly report under Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2013 [ ] Transition report under Section 13 or 15(d) of the Exchange Act. For the transition period from to Commission file number 1-12053 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact N

October 22, 2013 EX-99.1

Southwest Georgia Financial Corporation Reports Third Quarter 2013 Results

News Release INVESTOR AND MEDIA CONTACT: George R. Kirkland Senior Vice President and Treasurer Phone: (229) 873-3830 [email protected] For Immediate Release Southwest Georgia Financial Corporation Reports Third Quarter 2013 Results MOULTRIE, GEORGIA, October 21, 2013 - Southwest Georgia Financial Corporation (the “Corporation”) (NYSE MKT: SGB), a full-service community bank holding company, t

October 22, 2013 8-K

- 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): October 21, 2013 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commissio

August 29, 2013 8-K

- FORM 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): August 29, 2013 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commission

August 29, 2013 EX-99.1

Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend

News Release INVESTOR AND MEDIA CONTACT: George R. Kirkland Senior Vice President and Treasurer Phone: (229) 873-3830 [email protected] For Immediate Release Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend MOULTRIE, GEORGIA, August 29, 2013 - Southwest Georgia Financial Corporation (NYSE MKT: SGB), the parent company of Southwest Georgia Bank, announced that its Board

August 14, 2013 10-Q

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q (Mark One) [ X ] Quarterly report under Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2013 [ ] Transition report under Section 13 or 15(d) of the Exchange Act. For the transition period from to Commission file number 1-12053 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact Name O

July 23, 2013 EX-99.1

Southwest Georgia Financial Corporation Reports Second Quarter 2013 Results

News Release INVESTOR AND MEDIA CONTACT: George R. Kirkland Senior Vice President and Treasurer Phone: (229) 873-3830 [email protected] For Immediate Release Southwest Georgia Financial Corporation Reports Second Quarter 2013 Results MOULTRIE, GEORGIA, July 23, 2013 - Southwest Georgia Financial Corporation (the “Corporation”) (NYSE MKT: SGB), a full-service community bank holding company, tod

July 23, 2013 8-K

- 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): July 23, 2013 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commission F

May 30, 2013 EX-99.1

Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend, Announces Results of Shareholder Voting

News Release INVESTOR AND MEDIA CONTACT: George R. Kirkland Senior Vice President and Treasurer Phone: (229) 873-3830 [email protected] For Immediate Release Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend, Announces Results of Shareholder Voting MOULTRIE, GEORGIA, May 30, 2013 - Southwest Georgia Financial Corporation (NYSE MKT: SGB), the parent company of Southwest G

May 30, 2013 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): May 30, 2013 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commission Fi

May 15, 2013 10-Q

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q (Mark One) [ X ] Quarterly report under Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended March 31, 2013 [ ] Transition report under Section 13 or 15(d) of the Exchange Act. For the transition period from to Commission file number 1-12053 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact Name

April 23, 2013 8-K

- 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): April 23, 2013 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commission

April 23, 2013 EX-99.1

Southwest Georgia Financial Corporation Reports First Quarter Results

News Release INVESTOR AND MEDIA CONTACT: George R. Kirkland Senior Vice President and Treasurer Phone: (229) 873-3830 [email protected] For Immediate Release Southwest Georgia Financial Corporation Reports First Quarter Results MOULTRIE, GEORGIA, April 23, 2013 - Southwest Georgia Financial Corporation (the “Corporation”) (NYSE MKT: SGB), a full-service community bank holding company, today re

April 18, 2013 DEF 14A

- DEFINITIVE PROXY STATEMENT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.) Filed by the Registrant [X] Filed by a Party other than the Registrant [ ] Check the appropriate box: [ ] Preliminary Proxy Statement [ ]

April 3, 2013 PRE 14A

- PRELIMINARY PROXY STATEMENT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.) Filed by the Registrant [X] Filed by a Party other than the Registrant [ ] Check the appropriate box: [X] Preliminary Proxy Statement [ ]

April 1, 2013 10-K

U.S. Securities and Exchange Commission Washington, D. C. 20549 Form 10-K [ X ] Annual report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2012 [ ] Transition report pursuant to section

U.S. Securities and Exchange Commission Washington, D. C. 20549 Form 10-K [ X ] Annual report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2012 [ ] Transition report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to . Commission file number 1-12053 Southwest Georgia Financial Cor

February 28, 2013 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): February 28, 2013 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commissi

February 28, 2013 EX-99.1

Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend

News Release INVESTOR AND MEDIA CONTACT: George R. Kirkland Senior Vice President and Treasurer Phone: (229) 873-3830 [email protected] For Immediate Release Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend MOULTRIE, GEORGIA, February 28, 2013 - Southwest Georgia Financial Corporation (NYSE MKT: SGB), the parent company of Southwest Georgia Bank, announced that its Boar

January 28, 2013 8-K

- FORM 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): January 28, 2013 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commissio

January 28, 2013 EX-99.1

Southwest Georgia Financial Corporation Reports Fourth Quarter and 2012 Results

News Release INVESTOR AND MEDIA CONTACT: George R. Kirkland Senior Vice President and Treasurer Phone: (229) 873-3830 [email protected] For Immediate Release Southwest Georgia Financial Corporation Reports Fourth Quarter and 2012 Results MOULTRIE, GEORGIA, January 28, 2013 - Southwest Georgia Financial Corporation (the “Corporation”) (NYSE MKT: SGB), a full-service community bank holding compa

November 29, 2012 8-K

- FORM 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): November 29, 2012 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commissi

November 29, 2012 EX-99.1

Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend

EX-99.1 2 divrelease112912.htm EX-99.1 News Release INVESTOR AND MEDIA CONTACT: George R. Kirkland Senior Vice President and Treasurer Phone: (229) 873-3830 [email protected] For Immediate Release Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend MOULTRIE, GEORGIA, November 29, 2012 - Southwest Georgia Financial Corporation (NYSE MKT: SGB), the parent company of Southwes

November 21, 2012 10-Q/A

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q/A

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q/A (Mark One) [X] Quarterly report under Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2012 [ ] Transition report under Section 13 or 15(d) of the Exchange Act. For the transition period from to Commission file number 1-12053 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact N

November 14, 2012 10-Q

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q (Mark One) [ X ] Quarterly report under Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2012 [ ] Transition report under Section 13 or 15(d) of the Exchange Act. For the transition period from to Commission file number 1-12053 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact N

November 9, 2012 10-Q/A

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q/A

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q/A (Mark One) [X] Quarterly report under Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2012 [ ] Transition report under Section 13 or 15(d) of the Exchange Act. For the transition period from to Commission file number 1-12053 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact Name O

October 19, 2012 8-K

- 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): October 19, 2012 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 (State or other Jurisdiction of (Commissio

October 19, 2012 EX-99.1

Southwest Georgia Financial Corporation Reports Net Income Growth for Third Quarter 2012

News Release INVESTOR AND MEDIA CONTACT: George R. Kirkland Senior Vice President and Treasurer Phone: (229) 873-3830 [email protected] For Immediate Release Southwest Georgia Financial Corporation Reports Net Income Growth for Third Quarter 2012 MOULTRIE, GEORGIA, October 19, 2012 - Southwest Georgia Financial Corporation (the “Corporation”) (NYSE MKT: SGB), a full-service community bank hold

October 11, 2012 S-8

File No. 333-184380, originally filed with the Commission on October 11, 2012

As filed with the Securities and Exchange Commission on October 11, 2012. UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Georgia (State or Other Jurisdiction of Incorporation or Organization) 58-1392259 (I.R.S. Empl

October 11, 2012 EX-4

Directors and Executive Officers Stock Purchase Plan of the Corporation

EXHIBIT 4 SOUTHWEST GEORGIA FINANCIAL CORPORATION DIRECTORS AND EXECUTIVE OFFICERS STOCK PURCHASE PLAN 1.

September 14, 2012 10-Q/A

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q/A

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORM 10-Q/A (Mark One) [X] Quarterly report under Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2012 [ ] Transition report under Section 13 or 15(d) of the Exchange Act. For the transition period from to Commission file number 1-12053 SOUTHWEST GEORGIA FINANCIAL CORPORATION (Exact Name O

August 23, 2012 EX-99.1

Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend

News Release INVESTOR AND MEDIA CONTACT: George R. Kirkland Senior Vice President and Treasurer Phone: (229) 873-3830 [email protected] For Immediate Release Southwest Georgia Financial Corporation Declares Quarterly Cash Dividend MOULTRIE, GEORGIA, August 23, 2012 - Southwest Georgia Financial Corporation (NYSE MKT: SGB), the parent company of Southwest Georgia Bank, announced that its Board

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