Call reports 2006
SOUTH GEORGIA BANK — 2006
What SOUTH GEORGIA BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 96,993,000 | 101,248,000 | 104,100,000 | 110,898,000 |
| Total loans | 75,810,000 | 79,140,000 | 81,138,000 | 84,999,000 |
| Allowance for loan losses | 1,011,000 | 1,058,000 | 1,103,000 | 882,000 |
| Securities available for sale | 5,978,000 | 6,250,000 | 6,091,000 | 6,018,000 |
| Securities held to maturity | 3,940,000 | 3,940,000 | 3,940,000 | 3,940,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,484,000 | 84,229,000 | 86,585,000 | 93,422,000 |
| Interest-bearing deposits | 72,284,000 | 75,720,000 | 77,682,000 | 82,791,000 |
| Noninterest-bearing deposits | 8,200,000 | 8,509,000 | 8,903,000 | 10,631,000 |
| Equity capital | 7,772,000 | 8,185,000 | 8,537,000 | 8,520,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,804,000 | 3,763,000 | 5,892,000 | 8,047,000 |
| Interest expense | 714,000 | 1,523,000 | 2,434,000 | 3,429,000 |
| Net interest income | 1,090,000 | 2,240,000 | 3,458,000 | 4,618,000 |
| Noninterest income | 195,000 | 406,000 | 627,000 | 879,000 |
| Noninterest expense | 724,000 | 1,472,000 | 2,230,000 | 2,972,000 |
| Provision for loan losses | 58,000 | 111,000 | 168,000 | 445,000 |
| Pretax income | 503,000 | 1,063,000 | 1,687,000 | 2,080,000 |
| Income tax | 91,000 | 182,000 | 286,000 | 286,000 |
| Net income | 412,000 | 881,000 | 1,401,000 | 1,794,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,950,000 | 8,420,000 | 8,739,000 | 8,632,000 |
| Total capital | 8,954,000 | 9,464,000 | 9,792,000 | 9,514,000 |
| Risk-weighted assets | 80,324,000 | 83,530,000 | 85,944,000 | 89,774,000 |
Machine access — free, no API key
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