Call reports 2005
SOUTH GEORGIA BANKING COMPANY — 2005
What SOUTH GEORGIA BANKING COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 180,803,000 | 177,762,000 | 182,637,000 | 194,547,000 |
| Total loans | 112,257,000 | 114,833,000 | 116,998,000 | 116,078,000 |
| Allowance for loan losses | 1,208,000 | 1,223,000 | 1,238,000 | 1,254,000 |
| Securities available for sale | 37,172,000 | 36,549,000 | 34,935,000 | 33,975,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,585,000 | 158,680,000 | 163,489,000 | 175,209,000 |
| Interest-bearing deposits | 125,817,000 | 120,532,000 | 124,719,000 | 105,927,000 |
| Noninterest-bearing deposits | 36,768,000 | 38,148,000 | 38,770,000 | 69,282,000 |
| Equity capital | 17,444,000 | 18,218,000 | 18,229,000 | 18,120,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,445,000 | 5,000,000 | 7,653,000 | 10,472,000 |
| Interest expense | 530,000 | 1,132,000 | 1,807,000 | 2,597,000 |
| Net interest income | 1,915,000 | 3,868,000 | 5,846,000 | 7,875,000 |
| Noninterest income | 400,000 | 874,000 | 1,353,000 | 1,832,000 |
| Noninterest expense | 1,378,000 | 2,795,000 | 4,238,000 | 5,796,000 |
| Provision for loan losses | 87,000 | 148,000 | 195,000 | 255,000 |
| Pretax income | 850,000 | 1,799,000 | 2,766,000 | 3,656,000 |
| Income tax | 230,000 | 565,000 | 875,000 | 1,175,000 |
| Net income | 620,000 | 1,234,000 | 1,891,000 | 2,481,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,517,000 | 18,107,000 | 18,241,000 | 18,383,000 |
| Total capital | 18,725,000 | 19,330,000 | 19,479,000 | 19,636,000 |
| Risk-weighted assets | 125,601,000 | 127,087,000 | 130,159,000 | 131,757,000 |
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