Call reports 2006
FIRST NATIONAL BANK OF GRIFFIN — 2006
What FIRST NATIONAL BANK OF GRIFFIN reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 333,967,000 | 335,853,000 | 334,235,000 | 341,571,000 |
| Total loans | 232,769,000 | 233,722,000 | 234,474,000 | 238,123,000 |
| Allowance for loan losses | 2,825,000 | 2,799,000 | 2,762,000 | 2,670,000 |
| Securities available for sale | 49,700,000 | 53,776,000 | 58,256,000 | 60,295,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 270,278,000 | 273,988,000 | 269,058,000 | 273,794,000 |
| Interest-bearing deposits | 240,731,000 | 258,642,000 | 253,917,000 | 259,828,000 |
| Noninterest-bearing deposits | 29,547,000 | 15,346,000 | 15,141,000 | 13,966,000 |
| Equity capital | 34,472,000 | 34,843,000 | 36,367,000 | 37,427,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,595,000 | 11,546,000 | 17,691,000 | 23,960,000 |
| Interest expense | 1,568,000 | 3,391,000 | 5,408,000 | 7,659,000 |
| Net interest income | 4,027,000 | 8,155,000 | 12,283,000 | 16,301,000 |
| Noninterest income | 830,000 | 1,806,000 | 2,723,000 | 3,624,000 |
| Noninterest expense | 2,863,000 | 5,758,000 | 8,689,000 | 11,634,000 |
| Provision for loan losses | 9,000 | 13,000 | 22,000 | 34,000 |
| Pretax income | 1,985,000 | 4,192,000 | 6,297,000 | 8,254,000 |
| Income tax | 678,000 | 1,435,000 | 2,169,000 | 2,806,000 |
| Net income | 1,307,000 | 2,757,000 | 4,128,000 | 5,448,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,349,000 | 31,124,000 | 32,505,000 | 33,082,000 |
| Total capital | 33,174,000 | 33,923,000 | 35,267,000 | 35,752,000 |
| Risk-weighted assets | 270,691,000 | 271,927,000 | 272,275,000 | 277,588,000 |