Call reports 2012
SOUTH GEORGIA BANK — 2012
What SOUTH GEORGIA BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 131,154,000 | 126,234,000 | 125,416,000 | 129,150,000 |
| Total loans | 89,525,000 | 88,678,000 | 86,069,000 | 83,004,000 |
| Allowance for loan losses | 2,177,000 | 1,928,000 | 2,075,000 | 1,905,000 |
| Securities available for sale | 11,368,000 | 8,400,000 | 12,341,000 | 11,980,000 |
| Securities held to maturity | 5,571,000 | 5,716,000 | 5,715,000 | 6,521,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,651,000 | 110,569,000 | 109,561,000 | 113,288,000 |
| Interest-bearing deposits | 99,531,000 | 95,159,000 | 93,361,000 | 97,833,000 |
| Noninterest-bearing deposits | 16,120,000 | 15,410,000 | 16,200,000 | 15,455,000 |
| Equity capital | 10,214,000 | 10,341,000 | 10,672,000 | 10,750,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,776,000 | 3,568,000 | 5,318,000 | 7,020,000 |
| Interest expense | 314,000 | 598,000 | 864,000 | 1,117,000 |
| Net interest income | 1,462,000 | 2,970,000 | 4,454,000 | 5,903,000 |
| Noninterest income | 212,000 | 505,000 | 636,000 | 887,000 |
| Noninterest expense | 1,048,000 | 2,042,000 | 2,899,000 | 3,879,000 |
| Provision for loan losses | 625,000 | 1,355,000 | 1,811,000 | 2,435,000 |
| Pretax income | 1,000 | 211,000 | 519,000 | 569,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,000 | 211,000 | 519,000 | 569,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,142,000 | 10,353,000 | 10,661,000 | 10,711,000 |
| Total capital | 11,262,000 | 11,468,000 | 11,750,000 | 11,764,000 |
| Risk-weighted assets | 88,567,000 | 88,409,000 | 86,132,000 | 83,374,000 |