Call reports 2015
SOUTH GEORGIA BANK — 2015
What SOUTH GEORGIA BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 134,013,000 | 133,328,000 | 131,800,000 | 139,075,000 |
| Total loans | 85,686,000 | 88,271,000 | 88,565,000 | 90,779,000 |
| Allowance for loan losses | 1,491,000 | 1,486,000 | 1,502,000 | 1,261,000 |
| Securities available for sale | 12,844,000 | 12,317,000 | 9,538,000 | 9,157,000 |
| Securities held to maturity | 8,964,000 | 10,222,000 | 12,303,000 | 12,281,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,032,000 | 116,085,000 | 113,978,000 | 121,155,000 |
| Interest-bearing deposits | 94,833,000 | 94,284,000 | 91,901,000 | 97,552,000 |
| Noninterest-bearing deposits | 22,199,000 | 21,801,000 | 22,077,000 | 23,603,000 |
| Equity capital | 13,886,000 | 14,113,000 | 14,517,000 | 14,667,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,755,000 | 3,594,000 | 5,524,000 | 7,373,000 |
| Interest expense | 179,000 | 359,000 | 538,000 | 717,000 |
| Net interest income | 1,576,000 | 3,235,000 | 4,986,000 | 6,656,000 |
| Noninterest income | 152,000 | 376,000 | 586,000 | 812,000 |
| Noninterest expense | 1,105,000 | 2,287,000 | 3,526,000 | 4,684,000 |
| Provision for loan losses | 0 | 0 | 0 | 145,000 |
| Pretax income | 618,000 | 1,319,000 | 2,030,000 | 2,623,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 618,000 | 1,319,000 | 2,030,000 | 2,623,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,763,000 | 14,114,000 | 14,426,000 | 14,624,000 |
| Total capital | 14,881,000 | 15,279,000 | 15,582,000 | 15,788,000 |
| Risk-weighted assets | 89,071,000 | 92,906,000 | 92,136,000 | 92,995,000 |