Call reports 2015
STATE BANK OF GEORGIA — 2015
What STATE BANK OF GEORGIA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 67,471,000 | 64,915,000 | 63,948,000 | 68,403,000 |
| Total loans | 45,790,000 | 44,263,000 | 45,321,000 | 50,033,000 |
| Allowance for loan losses | 1,401,000 | 1,259,000 | 741,000 | 743,000 |
| Securities available for sale | 8,673,000 | 8,307,000 | 8,331,000 | 8,717,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,409,000 | 50,833,000 | 49,566,000 | 52,622,000 |
| Interest-bearing deposits | 47,878,000 | 44,507,000 | 43,696,000 | 46,726,000 |
| Noninterest-bearing deposits | 5,531,000 | 6,326,000 | 5,870,000 | 5,896,000 |
| Equity capital | 9,620,000 | 9,601,000 | 9,858,000 | 11,261,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 719,000 | 1,445,000 | 2,171,000 | 3,004,000 |
| Interest expense | 125,000 | 244,000 | 358,000 | 473,000 |
| Net interest income | 594,000 | 1,201,000 | 1,813,000 | 2,531,000 |
| Noninterest income | 32,000 | 67,000 | 101,000 | 129,000 |
| Noninterest expense | 586,000 | 1,091,000 | 1,598,000 | 2,159,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 42,000 | 179,000 | 318,000 | 503,000 |
| Income tax | 0 | 0 | 0 | -1,209,000 |
| Net income | 42,000 | 179,000 | 318,000 | 1,712,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,652,000 | 9,790,000 | 9,929,000 | 10,652,000 |
| Total capital | 10,232,000 | 10,364,000 | 10,538,000 | 11,312,000 |
| Risk-weighted assets | 45,578,000 | 45,205,000 | 48,609,000 | 52,353,000 |