Call reports 2021
SOUTH GEORGIA BANK — 2021
What SOUTH GEORGIA BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 197,922,000 | 201,536,000 | 202,635,000 | 208,962,000 |
| Total loans | 112,480,000 | 112,401,000 | 106,372,000 | 106,590,000 |
| Allowance for loan losses | 2,661,000 | 2,461,000 | 2,504,000 | 2,524,000 |
| Securities available for sale | 37,735,000 | 54,104,000 | 54,310,000 | 57,942,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,490,000 | 175,252,000 | 175,977,000 | 182,901,000 |
| Interest-bearing deposits | 127,125,000 | 129,012,000 | 127,766,000 | 134,077,000 |
| Noninterest-bearing deposits | 45,365,000 | 46,240,000 | 48,211,000 | 48,824,000 |
| Equity capital | 22,448,000 | 23,196,000 | 23,650,000 | 23,316,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,012,000 | 4,157,000 | 6,262,000 | 8,363,000 |
| Interest expense | 199,000 | 369,000 | 521,000 | 662,000 |
| Net interest income | 1,813,000 | 3,788,000 | 5,741,000 | 7,701,000 |
| Noninterest income | 284,000 | 546,000 | 803,000 | 1,073,000 |
| Noninterest expense | 1,149,000 | 2,323,000 | 3,559,000 | 4,839,000 |
| Provision for loan losses | 12,000 | 110,000 | 155,000 | 175,000 |
| Pretax income | 916,000 | 1,879,000 | 2,808,000 | 3,738,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 916,000 | 1,879,000 | 2,808,000 | 3,738,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,644,000 | 22,008,000 | 22,337,000 | 22,467,000 |
| Total capital | 23,070,000 | 23,490,000 | 23,761,000 | 23,903,000 |
| Risk-weighted assets | 112,819,000 | 117,603,000 | 112,822,000 | 113,803,000 |
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