Call reports 2025
SOUTH GEORGIA BANKING COMPANY — 2025
What SOUTH GEORGIA BANKING COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 576,163,000 | 556,822,000 | 553,568,000 | 606,016,000 |
| Total loans | 348,095,000 | 352,281,000 | 357,360,000 | 370,416,000 |
| Allowance for loan losses | 4,816,000 | 4,859,000 | 4,856,000 | 4,441,000 |
| Securities available for sale | 105,918,000 | 105,525,000 | 102,740,000 | 100,175,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 503,172,000 | 481,396,000 | 474,284,000 | 528,837,000 |
| Interest-bearing deposits | 315,783,000 | 300,833,000 | 299,940,000 | 319,980,000 |
| Noninterest-bearing deposits | 187,389,000 | 180,563,000 | 174,344,000 | 208,857,000 |
| Equity capital | 70,500,000 | 72,590,000 | 75,561,000 | 74,986,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 7,232,000 | 14,517,000 | 21,776,000 | 29,262,000 |
| Interest expense | 739,000 | 1,501,000 | 2,299,000 | 3,189,000 |
| Net interest income | 6,493,000 | 13,016,000 | 19,477,000 | 26,073,000 |
| Noninterest income | 1,123,000 | 2,218,000 | 3,327,000 | 4,457,000 |
| Noninterest expense | 5,079,000 | 10,191,000 | 15,286,000 | 20,655,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 1,625,000 |
| Pretax income | 2,462,000 | 4,893,000 | 7,293,000 | 8,250,000 |
| Income tax | 504,000 | 1,008,000 | 1,507,000 | 1,753,000 |
| Net income | 1,958,000 | 3,885,000 | 5,786,000 | 6,497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,925,000 | 73,852,000 | 75,253,000 | 74,364,000 |
| Total capital | 76,956,000 | 78,926,000 | 80,324,000 | 79,020,000 |
| Risk-weighted assets | 413,219,000 | 413,920,000 | 413,860,000 | 436,438,000 |