Call reports 2019
SOUTH GEORGIA BANK — 2019
What SOUTH GEORGIA BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 162,932,000 | 161,867,000 | 157,688,000 | 163,406,000 |
| Total loans | 97,915,000 | 102,060,000 | 102,363,000 | 103,869,000 |
| Allowance for loan losses | 2,508,000 | 2,488,000 | 2,497,000 | 2,485,000 |
| Securities available for sale | 31,036,000 | 32,015,000 | 31,453,000 | 31,114,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,205,000 | 139,142,000 | 133,886,000 | 139,576,000 |
| Interest-bearing deposits | 113,348,000 | 110,623,000 | 105,204,000 | 110,361,000 |
| Noninterest-bearing deposits | 27,857,000 | 28,519,000 | 28,682,000 | 29,215,000 |
| Equity capital | 19,291,000 | 20,179,000 | 20,794,000 | 21,178,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,131,000 | 4,271,000 | 6,431,000 | 8,621,000 |
| Interest expense | 286,000 | 609,000 | 947,000 | 1,303,000 |
| Net interest income | 1,845,000 | 3,662,000 | 5,484,000 | 7,318,000 |
| Noninterest income | 229,000 | 521,000 | 966,000 | 1,212,000 |
| Noninterest expense | 1,140,000 | 2,308,000 | 3,626,000 | 4,758,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 932,000 | 1,873,000 | 2,830,000 | 3,778,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 932,000 | 1,873,000 | 2,830,000 | 3,778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,577,000 | 19,868,000 | 20,176,000 | 20,524,000 |
| Total capital | 20,839,000 | 21,175,000 | 21,470,000 | 21,835,000 |
| Risk-weighted assets | 99,699,000 | 103,344,000 | 102,351,000 | 103,719,000 |
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