Call reports 2014
SOUTH GEORGIA BANK — 2014
What SOUTH GEORGIA BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 128,411,000 | 124,654,000 | 123,128,000 | 129,881,000 |
| Total loans | 80,829,000 | 81,365,000 | 83,003,000 | 84,675,000 |
| Allowance for loan losses | 1,804,000 | 1,840,000 | 1,494,000 | 1,495,000 |
| Securities available for sale | 13,437,000 | 13,281,000 | 13,268,000 | 12,984,000 |
| Securities held to maturity | 5,658,000 | 7,302,000 | 7,770,000 | 7,933,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,324,000 | 108,811,000 | 106,766,000 | 113,338,000 |
| Interest-bearing deposits | 90,371,000 | 88,884,000 | 87,003,000 | 90,277,000 |
| Noninterest-bearing deposits | 20,953,000 | 19,927,000 | 19,763,000 | 23,061,000 |
| Equity capital | 11,982,000 | 12,721,000 | 13,221,000 | 13,467,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,665,000 | 3,397,000 | 5,163,000 | 6,927,000 |
| Interest expense | 181,000 | 365,000 | 534,000 | 703,000 |
| Net interest income | 1,484,000 | 3,032,000 | 4,629,000 | 6,224,000 |
| Noninterest income | 26,000 | 106,000 | 97,000 | 272,000 |
| Noninterest expense | 1,041,000 | 2,093,000 | 3,129,000 | 4,223,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 469,000 | 1,045,000 | 1,506,000 | 2,050,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 469,000 | 1,045,000 | 1,506,000 | 2,050,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,321,000 | 12,867,000 | 13,299,000 | 13,392,000 |
| Total capital | 13,417,000 | 13,948,000 | 14,372,000 | 14,492,000 |
| Risk-weighted assets | 87,007,000 | 85,734,000 | 85,418,000 | 87,642,000 |
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