Call reports 2010
SOUTH GEORGIA BANK — 2010
What SOUTH GEORGIA BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 136,336,000 | 136,966,000 | 135,490,000 | 138,028,000 |
| Total loans | 103,174,000 | 100,700,000 | 98,111,000 | 98,548,000 |
| Allowance for loan losses | 1,577,000 | 1,516,000 | 1,633,000 | 1,705,000 |
| Securities available for sale | 9,698,000 | 9,964,000 | 9,525,000 | 8,856,000 |
| Securities held to maturity | 4,561,000 | 5,310,000 | 5,310,000 | 5,310,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,050,000 | 118,554,000 | 117,045,000 | 121,774,000 |
| Interest-bearing deposits | 105,115,000 | 106,050,000 | 103,673,000 | 108,267,000 |
| Noninterest-bearing deposits | 12,935,000 | 12,504,000 | 13,372,000 | 13,507,000 |
| Equity capital | 10,816,000 | 10,977,000 | 10,691,000 | 10,865,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,027,000 | 4,102,000 | 6,124,000 | 8,203,000 |
| Interest expense | 644,000 | 1,258,000 | 1,850,000 | 2,380,000 |
| Net interest income | 1,383,000 | 2,844,000 | 4,274,000 | 5,823,000 |
| Noninterest income | 231,000 | 280,000 | 598,000 | 827,000 |
| Noninterest expense | 937,000 | 1,820,000 | 2,741,000 | 3,718,000 |
| Provision for loan losses | 396,000 | 1,516,000 | 2,636,000 | 3,185,000 |
| Pretax income | 281,000 | -212,000 | -505,000 | -253,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 281,000 | -212,000 | -505,000 | -253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,790,000 | 10,797,000 | 10,504,000 | 10,756,000 |
| Total capital | 12,070,000 | 12,022,000 | 11,717,000 | 11,965,000 |
| Risk-weighted assets | 102,073,000 | 97,690,000 | 96,658,000 | 96,185,000 |
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