Call reports 2005
FIRST NATIONAL BANK OF GRIFFIN — 2005
What FIRST NATIONAL BANK OF GRIFFIN reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 325,108,000 | 317,354,000 | 324,217,000 | 322,089,000 |
| Total loans | 233,815,000 | 237,218,000 | 236,587,000 | 239,165,000 |
| Allowance for loan losses | 3,402,000 | 3,373,000 | 3,385,000 | 2,869,000 |
| Securities available for sale | 49,854,000 | 50,475,000 | 48,608,000 | 50,434,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 263,424,000 | 257,179,000 | 258,676,000 | 253,131,000 |
| Interest-bearing deposits | 246,799,000 | 240,759,000 | 244,207,000 | 241,580,000 |
| Noninterest-bearing deposits | 16,625,000 | 16,420,000 | 14,469,000 | 11,551,000 |
| Equity capital | 30,886,000 | 31,868,000 | 32,997,000 | 33,295,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,695,000 | 9,663,000 | 14,910,000 | 20,239,000 |
| Interest expense | 1,087,000 | 2,233,000 | 3,539,000 | 4,958,000 |
| Net interest income | 3,608,000 | 7,430,000 | 11,371,000 | 15,281,000 |
| Noninterest income | 676,000 | 1,506,000 | 2,401,000 | 2,925,000 |
| Noninterest expense | 2,714,000 | 5,483,000 | 8,286,000 | 11,140,000 |
| Provision for loan losses | 18,000 | 47,000 | 58,000 | -420,000 |
| Pretax income | 1,552,000 | 3,406,000 | 5,423,000 | 7,471,000 |
| Income tax | 507,000 | 1,119,000 | 1,816,000 | 2,647,000 |
| Net income | 1,045,000 | 2,287,000 | 3,607,000 | 4,824,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,422,000 | 26,996,000 | 28,325,000 | 29,032,000 |
| Total capital | 29,700,000 | 30,292,000 | 31,676,000 | 31,901,000 |
| Risk-weighted assets | 262,268,000 | 263,608,000 | 268,233,000 | 269,542,000 |