Call reports 2008
FIRST NATIONAL BANK OF GEORGIA — 2008
What FIRST NATIONAL BANK OF GEORGIA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 882,993,000 | 906,196,000 | 889,303,000 | 888,950,000 |
| Total loans | 663,418,000 | 651,528,000 | 645,168,000 | 630,161,000 |
| Allowance for loan losses | 13,142,000 | 17,367,000 | 16,192,000 | 11,240,000 |
| Securities available for sale | 118,557,000 | 119,934,000 | 96,307,000 | 94,368,000 |
| Securities held to maturity | 7,531,000 | 7,475,000 | 7,463,000 | 7,622,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 704,510,000 | 741,933,000 | 737,188,000 | 762,958,000 |
| Interest-bearing deposits | 627,793,000 | 665,687,000 | 665,819,000 | 695,397,000 |
| Noninterest-bearing deposits | 76,718,000 | 76,247,000 | 71,370,000 | 67,562,000 |
| Equity capital | 90,859,000 | 84,493,000 | 92,639,000 | 66,357,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 14,076,000 | 25,707,000 | 37,504,000 | 48,051,000 |
| Interest expense | 6,663,000 | 12,789,000 | 18,959,000 | 24,988,000 |
| Net interest income | 7,413,000 | 12,918,000 | 18,545,000 | 23,063,000 |
| Noninterest income | 2,387,000 | 4,838,000 | 5,449,000 | 7,183,000 |
| Noninterest expense | 6,536,000 | 13,454,000 | 20,263,000 | 52,308,000 |
| Provision for loan losses | 750,000 | 8,850,000 | 10,250,000 | 14,900,000 |
| Pretax income | 2,561,000 | -4,442,000 | -6,084,000 | -36,527,000 |
| Income tax | 585,000 | -2,281,000 | -3,224,000 | -6,393,000 |
| Net income | 1,976,000 | -2,161,000 | -2,860,000 | -30,134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,663,000 | 55,880,000 | 64,574,000 | 62,144,000 |
| Total capital | 69,136,000 | 64,474,000 | 73,049,000 | 70,612,000 |
| Risk-weighted assets | 673,231,000 | 678,778,000 | 670,290,000 | 677,413,000 |