Call reports 2007
SOUTH GEORGIA BANKING COMPANY — 2007
What SOUTH GEORGIA BANKING COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 328,026,000 | 320,822,000 | 324,888,000 | 325,861,000 |
| Total loans | 208,848,000 | 213,954,000 | 214,005,000 | 203,707,000 |
| Allowance for loan losses | 3,503,000 | 3,593,000 | 3,683,000 | 3,773,000 |
| Securities available for sale | 51,164,000 | 52,745,000 | 53,650,000 | 52,166,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 284,555,000 | 277,417,000 | 280,580,000 | 282,335,000 |
| Interest-bearing deposits | 217,624,000 | 221,906,000 | 228,393,000 | 216,350,000 |
| Noninterest-bearing deposits | 66,931,000 | 55,511,000 | 52,187,000 | 65,985,000 |
| Equity capital | 40,945,000 | 41,348,000 | 41,792,000 | 41,301,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,672,000 | 11,476,000 | 17,316,000 | 22,914,000 |
| Interest expense | 2,174,000 | 4,367,000 | 6,619,000 | 8,796,000 |
| Net interest income | 3,498,000 | 7,109,000 | 10,697,000 | 14,118,000 |
| Noninterest income | 684,000 | 1,390,000 | 2,157,000 | 2,935,000 |
| Noninterest expense | 2,647,000 | 5,313,000 | 7,897,000 | 10,512,000 |
| Provision for loan losses | 82,000 | 219,000 | 422,000 | 582,000 |
| Pretax income | 1,453,000 | 2,967,000 | 4,535,000 | 5,959,000 |
| Income tax | 395,000 | 853,000 | 1,353,000 | 1,844,000 |
| Net income | 1,058,000 | 2,114,000 | 3,182,000 | 4,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,610,000 | 30,444,000 | 30,614,000 | 29,858,000 |
| Total capital | 32,438,000 | 33,300,000 | 33,489,000 | 32,649,000 |
| Risk-weighted assets | 225,533,000 | 227,782,000 | 229,225,000 | 222,274,000 |
Machine access — free, no API key
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