Call reports 2007
SOUTH GEORGIA BANK — 2007
What SOUTH GEORGIA BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 110,984,000 | 117,251,000 | 118,934,000 | 123,527,000 |
| Total loans | 88,743,000 | 91,032,000 | 94,192,000 | 95,860,000 |
| Allowance for loan losses | 929,000 | 1,001,000 | 1,098,000 | 1,161,000 |
| Securities available for sale | 6,346,000 | 6,524,000 | 6,431,000 | 7,325,000 |
| Securities held to maturity | 3,630,000 | 3,630,000 | 3,629,000 | 3,629,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,318,000 | 99,125,000 | 100,152,000 | 104,577,000 |
| Interest-bearing deposits | 83,546,000 | 88,444,000 | 89,762,000 | 94,952,000 |
| Noninterest-bearing deposits | 9,772,000 | 10,681,000 | 10,390,000 | 9,625,000 |
| Equity capital | 8,688,000 | 9,012,000 | 9,562,000 | 9,802,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,227,000 | 4,510,000 | 6,926,000 | 9,310,000 |
| Interest expense | 1,024,000 | 2,111,000 | 3,279,000 | 4,464,000 |
| Net interest income | 1,203,000 | 2,399,000 | 3,647,000 | 4,846,000 |
| Noninterest income | 197,000 | 548,000 | 778,000 | 1,045,000 |
| Noninterest expense | 760,000 | 1,553,000 | 2,335,000 | 3,145,000 |
| Provision for loan losses | 49,000 | 111,000 | 164,000 | 223,000 |
| Pretax income | 591,000 | 1,283,000 | 1,926,000 | 2,523,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 591,000 | 1,283,000 | 1,926,000 | 2,523,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,773,000 | 9,216,000 | 9,658,000 | 9,806,000 |
| Total capital | 9,702,000 | 10,217,000 | 10,756,000 | 10,967,000 |
| Risk-weighted assets | 94,203,000 | 97,100,000 | 101,285,000 | 103,108,000 |
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