Call reports 2014
SOUTH GEORGIA BANKING COMPANY — 2014
What SOUTH GEORGIA BANKING COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 452,928,000 | 438,021,000 | 430,630,000 | 460,892,000 |
| Total loans | 208,145,000 | 208,633,000 | 211,318,000 | 204,008,000 |
| Allowance for loan losses | 3,318,000 | 3,418,000 | 3,415,000 | 3,515,000 |
| Securities available for sale | 99,254,000 | 102,265,000 | 99,766,000 | 96,847,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 398,480,000 | 381,742,000 | 374,345,000 | 404,845,000 |
| Interest-bearing deposits | 301,012,000 | 289,225,000 | 286,325,000 | 289,311,000 |
| Noninterest-bearing deposits | 97,468,000 | 92,517,000 | 88,020,000 | 115,534,000 |
| Equity capital | 53,292,000 | 55,022,000 | 55,270,000 | 55,468,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,765,000 | 8,072,000 | 12,128,000 | 16,128,000 |
| Interest expense | 355,000 | 726,000 | 1,083,000 | 1,426,000 |
| Net interest income | 3,410,000 | 7,346,000 | 11,045,000 | 14,702,000 |
| Noninterest income | 1,882,000 | 2,845,000 | 3,692,000 | 4,563,000 |
| Noninterest expense | 2,666,000 | 5,598,000 | 8,482,000 | 11,847,000 |
| Provision for loan losses | 50,000 | 125,000 | 200,000 | 275,000 |
| Pretax income | 2,577,000 | 4,469,000 | 6,047,000 | 7,144,000 |
| Income tax | 451,000 | 1,028,000 | 1,462,000 | 1,741,000 |
| Net income | 2,126,000 | 3,441,000 | 4,585,000 | 5,403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,222,000 | 43,537,000 | 43,682,000 | 44,049,000 |
| Total capital | 45,301,000 | 46,595,000 | 46,793,000 | 47,155,000 |
| Risk-weighted assets | 246,108,000 | 244,277,000 | 248,545,000 | 248,110,000 |
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