Call reports 2008
SOUTH GEORGIA BANK — 2008
What SOUTH GEORGIA BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 123,953,000 | 125,429,000 | 128,212,000 | 134,317,000 |
| Total loans | 97,743,000 | 100,918,000 | 103,369,000 | 106,429,000 |
| Allowance for loan losses | 1,204,000 | 1,055,000 | 1,306,000 | 1,408,000 |
| Securities available for sale | 7,295,000 | 6,893,000 | 6,759,000 | 6,614,000 |
| Securities held to maturity | 3,629,000 | 3,629,000 | 3,629,000 | 3,629,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,884,000 | 106,491,000 | 108,500,000 | 115,065,000 |
| Interest-bearing deposits | 93,840,000 | 96,520,000 | 98,810,000 | 105,047,000 |
| Noninterest-bearing deposits | 10,044,000 | 9,971,000 | 9,690,000 | 10,018,000 |
| Equity capital | 9,752,000 | 9,585,000 | 10,545,000 | 10,972,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,208,000 | 4,401,000 | 6,539,000 | 8,699,000 |
| Interest expense | 1,131,000 | 2,170,000 | 3,176,000 | 4,117,000 |
| Net interest income | 1,077,000 | 2,231,000 | 3,363,000 | 4,582,000 |
| Noninterest income | 236,000 | 462,000 | 555,000 | 845,000 |
| Noninterest expense | 885,000 | 1,844,000 | 2,843,000 | 3,826,000 |
| Provision for loan losses | 54,000 | 108,000 | 360,000 | 465,000 |
| Pretax income | 374,000 | 741,000 | 715,000 | 1,136,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 374,000 | 741,000 | 715,000 | 1,136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,674,000 | 9,690,000 | 10,614,000 | 11,036,000 |
| Total capital | 10,878,000 | 10,745,000 | 11,920,000 | 12,444,000 |
| Risk-weighted assets | 106,582,000 | 110,606,000 | 113,026,000 | 115,322,000 |
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