Call reports 2025
SOUTH GEORGIA BANK — 2025
What SOUTH GEORGIA BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 238,999,000 | 249,472,000 | 251,855,000 | 256,134,000 |
| Total loans | 120,147,000 | 130,197,000 | 137,370,000 | 141,086,000 |
| Allowance for loan losses | 2,923,000 | 2,953,000 | 3,212,000 | 3,411,000 |
| Securities available for sale | 53,085,000 | 52,672,000 | 53,538,000 | 53,510,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,821,000 | 223,843,000 | 224,662,000 | 228,101,000 |
| Interest-bearing deposits | 149,827,000 | 159,056,000 | 159,212,000 | 159,351,000 |
| Noninterest-bearing deposits | 63,994,000 | 64,787,000 | 65,450,000 | 68,750,000 |
| Equity capital | 20,449,000 | 20,452,000 | 22,163,000 | 23,105,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,075,000 | 6,498,000 | 9,994,000 | 13,550,000 |
| Interest expense | 828,000 | 1,688,000 | 2,557,000 | 3,389,000 |
| Net interest income | 2,247,000 | 4,810,000 | 7,437,000 | 10,161,000 |
| Noninterest income | 395,000 | 787,000 | 1,203,000 | 1,673,000 |
| Noninterest expense | 1,478,000 | 3,191,000 | 4,750,000 | 6,487,000 |
| Provision for loan losses | 50,000 | 80,000 | 340,000 | 565,000 |
| Pretax income | 1,114,000 | 2,326,000 | 3,550,000 | 4,782,000 |
| Income tax | 47,000 | 93,000 | 140,000 | 171,000 |
| Net income | 1,067,000 | 2,233,000 | 3,410,000 | 4,611,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,415,000 | 26,780,000 | 27,156,000 | 27,558,000 |
| Total capital | 28,054,000 | 28,486,000 | 28,910,000 | 29,320,000 |
| Risk-weighted assets | 129,745,000 | 135,114,000 | 138,737,000 | 139,236,000 |