Call reports 2010
SOUTH GEORGIA BANKING COMPANY — 2010
What SOUTH GEORGIA BANKING COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 298,427,000 | 300,324,000 | 306,616,000 | 340,687,000 |
| Total loans | 187,005,000 | 193,462,000 | 199,404,000 | 186,238,000 |
| Allowance for loan losses | 3,557,000 | 3,550,000 | 3,384,000 | 3,134,000 |
| Securities available for sale | 48,377,000 | 48,914,000 | 49,905,000 | 50,000,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 255,764,000 | 255,746,000 | 261,718,000 | 297,110,000 |
| Interest-bearing deposits | 200,688,000 | 202,164,000 | 207,786,000 | 214,119,000 |
| Noninterest-bearing deposits | 55,076,000 | 53,582,000 | 53,932,000 | 82,991,000 |
| Equity capital | 41,347,000 | 42,259,000 | 43,431,000 | 42,155,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,786,000 | 7,598,000 | 11,488,000 | 15,295,000 |
| Interest expense | 717,000 | 1,416,000 | 2,126,000 | 2,817,000 |
| Net interest income | 3,069,000 | 6,182,000 | 9,362,000 | 12,478,000 |
| Noninterest income | 690,000 | 1,415,000 | 2,056,000 | 2,812,000 |
| Noninterest expense | 2,511,000 | 5,130,000 | 7,670,000 | 10,286,000 |
| Provision for loan losses | 150,000 | 300,000 | 650,000 | 800,000 |
| Pretax income | 895,000 | 2,122,000 | 3,344,000 | 4,450,000 |
| Income tax | 232,000 | 572,000 | 920,000 | 1,235,000 |
| Net income | 663,000 | 1,550,000 | 2,424,000 | 3,215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,057,000 | 30,986,000 | 31,905,000 | 31,511,000 |
| Total capital | 32,480,000 | 33,477,000 | 34,485,000 | 34,065,000 |
| Risk-weighted assets | 192,705,000 | 198,191,000 | 205,588,000 | 203,710,000 |
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