Call reports 2009
SOUTH GEORGIA BANK — 2009
What SOUTH GEORGIA BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 133,422,000 | 137,248,000 | 133,106,000 | 135,102,000 |
| Total loans | 105,351,000 | 108,814,000 | 105,489,000 | 103,596,000 |
| Allowance for loan losses | 1,349,000 | 1,433,000 | 1,383,000 | 1,478,000 |
| Securities available for sale | 5,415,000 | 5,528,000 | 5,433,000 | 7,053,000 |
| Securities held to maturity | 4,498,000 | 4,797,000 | 4,297,000 | 4,561,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,224,000 | 118,208,000 | 114,314,000 | 117,172,000 |
| Interest-bearing deposits | 103,248,000 | 104,378,000 | 102,387,000 | 106,164,000 |
| Noninterest-bearing deposits | 10,976,000 | 13,830,000 | 11,927,000 | 11,008,000 |
| Equity capital | 10,934,000 | 10,714,000 | 10,434,000 | 10,499,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,098,000 | 4,244,000 | 6,378,000 | 8,323,000 |
| Interest expense | 849,000 | 1,658,000 | 2,413,000 | 3,090,000 |
| Net interest income | 1,249,000 | 2,586,000 | 3,965,000 | 5,233,000 |
| Noninterest income | 240,000 | -245,000 | -279,000 | 488,000 |
| Noninterest expense | 976,000 | 1,943,000 | 2,875,000 | 3,808,000 |
| Provision for loan losses | 1,074,000 | 1,158,000 | 2,433,000 | 3,439,000 |
| Pretax income | -561,000 | -760,000 | -1,622,000 | -1,526,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -561,000 | -760,000 | -1,622,000 | -1,526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,924,000 | 10,875,000 | 10,413,000 | 10,509,000 |
| Total capital | 12,273,000 | 12,239,000 | 11,715,000 | 11,803,000 |
| Risk-weighted assets | 107,870,000 | 109,043,000 | 104,116,000 | 103,285,000 |
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