Call reports 2016
STATE BANK OF GEORGIA — 2016
What STATE BANK OF GEORGIA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 70,572,000 | 80,585,000 | 91,654,000 | 81,158,000 |
| Total loans | 52,432,000 | 52,383,000 | 54,714,000 | 59,591,000 |
| Allowance for loan losses | 767,000 | 769,000 | 706,000 | 775,000 |
| Securities available for sale | 7,735,000 | 5,717,000 | 8,460,000 | 6,083,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,413,000 | 64,287,000 | 75,227,000 | 64,707,000 |
| Interest-bearing deposits | 47,782,000 | 49,927,000 | 60,090,000 | 53,675,000 |
| Noninterest-bearing deposits | 6,631,000 | 14,360,000 | 15,137,000 | 11,032,000 |
| Equity capital | 11,503,000 | 11,675,000 | 11,823,000 | 11,853,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 863,000 | 1,773,000 | 2,692,000 | 3,712,000 |
| Interest expense | 107,000 | 209,000 | 309,000 | 405,000 |
| Net interest income | 756,000 | 1,564,000 | 2,383,000 | 3,307,000 |
| Noninterest income | 51,000 | 90,000 | 141,000 | 181,000 |
| Noninterest expense | 581,000 | 1,184,000 | 1,809,000 | 2,428,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 226,000 | 474,000 | 719,000 | 1,070,000 |
| Income tax | 85,000 | 178,000 | 270,000 | 398,000 |
| Net income | 141,000 | 296,000 | 449,000 | 672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,852,000 | 11,101,000 | 11,316,000 | 11,621,000 |
| Total capital | 11,534,000 | 11,809,000 | 12,022,000 | 12,395,000 |
| Risk-weighted assets | 54,212,000 | 56,340,000 | 60,604,000 | 61,797,000 |