Call reports 2003
FIRST NATIONAL BANK OF GRIFFIN — 2003
What FIRST NATIONAL BANK OF GRIFFIN reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 312,592,000 | 312,409,000 | 302,144,000 | 301,099,000 |
| Total loans | 232,077,000 | 229,814,000 | 233,389,000 | 233,174,000 |
| Allowance for loan losses | 3,408,000 | 3,368,000 | 3,398,000 | 3,500,000 |
| Securities available for sale | 35,836,000 | 39,469,000 | 39,454,000 | 38,331,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,877,000 | 244,412,000 | 242,288,000 | 238,302,000 |
| Interest-bearing deposits | 203,869,000 | 202,572,000 | 202,345,000 | 228,226,000 |
| Noninterest-bearing deposits | 42,008,000 | 41,840,000 | 39,943,000 | 10,076,000 |
| Equity capital | 35,793,000 | 36,578,000 | 36,601,000 | 35,994,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,757,000 | 9,544,000 | 14,236,000 | 18,737,000 |
| Interest expense | 915,000 | 1,890,000 | 2,957,000 | 3,926,000 |
| Net interest income | 3,842,000 | 7,654,000 | 11,279,000 | 14,811,000 |
| Noninterest income | 743,000 | 1,582,000 | 2,502,000 | 3,344,000 |
| Noninterest expense | 2,905,000 | 5,825,000 | 8,699,000 | 11,566,000 |
| Provision for loan losses | 147,000 | 303,000 | 463,000 | 636,000 |
| Pretax income | 1,535,000 | 3,110,000 | 4,626,000 | 6,039,000 |
| Income tax | 526,000 | 1,068,000 | 1,579,000 | 1,922,000 |
| Net income | 1,009,000 | 2,042,000 | 3,047,000 | 4,117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,116,000 | 30,545,000 | 31,109,000 | 30,516,000 |
| Total capital | 33,168,000 | 33,557,000 | 34,221,000 | 33,637,000 |
| Risk-weighted assets | 243,802,000 | 240,589,000 | 248,694,000 | 249,318,000 |