Call reports 2004
FIRST NATIONAL BANK OF GRIFFIN — 2004
What FIRST NATIONAL BANK OF GRIFFIN reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 310,357,000 | 311,027,000 | 310,894,000 | 317,778,000 |
| Total loans | 235,022,000 | 232,489,000 | 235,051,000 | 226,326,000 |
| Allowance for loan losses | 3,591,000 | 3,567,000 | 3,415,000 | 3,422,000 |
| Securities available for sale | 37,658,000 | 39,258,000 | 42,229,000 | 45,237,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 248,066,000 | 252,417,000 | 252,120,000 | 253,399,000 |
| Interest-bearing deposits | 231,965,000 | 236,713,000 | 227,471,000 | 241,001,000 |
| Noninterest-bearing deposits | 16,101,000 | 15,704,000 | 24,649,000 | 12,398,000 |
| Equity capital | 36,877,000 | 35,944,000 | 37,364,000 | 30,326,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,428,000 | 8,857,000 | 13,428,000 | 18,456,000 |
| Interest expense | 951,000 | 1,895,000 | 2,840,000 | 3,810,000 |
| Net interest income | 3,477,000 | 6,962,000 | 10,588,000 | 14,646,000 |
| Noninterest income | 724,000 | 1,505,000 | 2,327,000 | 3,037,000 |
| Noninterest expense | 2,766,000 | 5,645,000 | 8,441,000 | 11,221,000 |
| Provision for loan losses | 128,000 | 205,000 | 243,000 | 286,000 |
| Pretax income | 1,316,000 | 2,665,000 | 4,279,000 | 6,228,000 |
| Income tax | 418,000 | 850,000 | 1,378,000 | 2,033,000 |
| Net income | 898,000 | 1,815,000 | 2,901,000 | 4,195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,173,000 | 31,277,000 | 32,121,000 | 25,272,000 |
| Total capital | 34,436,000 | 34,497,000 | 35,342,000 | 28,480,000 |
| Risk-weighted assets | 260,709,000 | 257,243,000 | 257,399,000 | 256,460,000 |