Call reports 2009
SOUTH GEORGIA BANKING COMPANY — 2009
What SOUTH GEORGIA BANKING COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 304,922,000 | 294,600,000 | 294,379,000 | 299,290,000 |
| Total loans | 192,178,000 | 193,172,000 | 198,976,000 | 189,546,000 |
| Allowance for loan losses | 3,614,000 | 3,525,000 | 3,542,000 | 3,530,000 |
| Securities available for sale | 52,695,000 | 51,695,000 | 51,005,000 | 50,977,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,073,000 | 249,210,000 | 247,428,000 | 254,743,000 |
| Interest-bearing deposits | 205,932,000 | 201,613,000 | 198,701,000 | 195,373,000 |
| Noninterest-bearing deposits | 52,141,000 | 47,597,000 | 48,727,000 | 59,370,000 |
| Equity capital | 41,908,000 | 40,886,000 | 42,623,000 | 42,004,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,112,000 | 8,156,000 | 12,217,000 | 16,234,000 |
| Interest expense | 1,092,000 | 2,112,000 | 3,032,000 | 3,835,000 |
| Net interest income | 3,020,000 | 6,044,000 | 9,185,000 | 12,399,000 |
| Noninterest income | 673,000 | 1,402,000 | 2,192,000 | 3,002,000 |
| Noninterest expense | 2,505,000 | 5,134,000 | 7,624,000 | 10,140,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 1,087,000 | 1,782,000 | 3,114,000 | 4,504,000 |
| Income tax | 327,000 | 601,000 | 993,000 | 1,448,000 |
| Net income | 760,000 | 1,181,000 | 2,121,000 | 3,056,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,912,000 | 30,086,000 | 31,098,000 | 30,838,000 |
| Total capital | 33,382,000 | 32,534,000 | 33,592,000 | 33,296,000 |
| Risk-weighted assets | 196,430,000 | 194,731,000 | 198,459,000 | 195,551,000 |
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