Call reports 2013
SOUTH GEORGIA BANK — 2013
What SOUTH GEORGIA BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 124,434,000 | 122,996,000 | 125,914,000 | 125,784,000 |
| Total loans | 82,167,000 | 80,153,000 | 79,297,000 | 79,141,000 |
| Allowance for loan losses | 2,151,000 | 1,875,000 | 1,664,000 | 1,753,000 |
| Securities available for sale | 11,561,000 | 10,347,000 | 12,924,000 | 12,590,000 |
| Securities held to maturity | 6,717,000 | 6,713,000 | 7,103,000 | 6,850,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,462,000 | 107,019,000 | 109,552,000 | 109,167,000 |
| Interest-bearing deposits | 92,117,000 | 90,301,000 | 91,386,000 | 89,963,000 |
| Noninterest-bearing deposits | 16,345,000 | 16,718,000 | 18,166,000 | 19,204,000 |
| Equity capital | 10,850,000 | 10,823,000 | 11,076,000 | 11,471,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,654,000 | 3,322,000 | 5,023,000 | 6,770,000 |
| Interest expense | 228,000 | 439,000 | 634,000 | 817,000 |
| Net interest income | 1,426,000 | 2,883,000 | 4,389,000 | 5,953,000 |
| Noninterest income | 107,000 | 308,000 | 409,000 | 381,000 |
| Noninterest expense | 1,076,000 | 2,133,000 | 3,280,000 | 4,315,000 |
| Provision for loan losses | 330,000 | 654,000 | 778,000 | 778,000 |
| Pretax income | 127,000 | 365,000 | 734,000 | 1,202,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 127,000 | 365,000 | 734,000 | 1,202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,838,000 | 11,076,000 | 11,445,000 | 11,882,000 |
| Total capital | 11,882,000 | 12,115,000 | 12,519,000 | 12,961,000 |
| Risk-weighted assets | 82,407,000 | 82,246,000 | 85,301,000 | 85,678,000 |
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