Call reports 2007
FIRST NATIONAL BANK OF GRIFFIN — 2007
What FIRST NATIONAL BANK OF GRIFFIN reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 343,980,000 | 338,980,000 | 343,714,000 | 323,885,000 |
| Total loans | 240,276,000 | 248,907,000 | 238,469,000 | 223,909,000 |
| Allowance for loan losses | 2,567,000 | 2,449,000 | 2,573,000 | 3,207,000 |
| Securities available for sale | 60,916,000 | 58,462,000 | 61,327,000 | 63,410,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 277,792,000 | 274,211,000 | 279,013,000 | 261,626,000 |
| Interest-bearing deposits | 262,190,000 | 258,138,000 | 267,305,000 | 249,678,000 |
| Noninterest-bearing deposits | 15,602,000 | 16,073,000 | 11,708,000 | 11,948,000 |
| Equity capital | 38,675,000 | 38,508,000 | 40,080,000 | 39,414,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,232,000 | 12,627,000 | 18,918,000 | 24,668,000 |
| Interest expense | 2,211,000 | 4,471,000 | 6,842,000 | 9,099,000 |
| Net interest income | 4,021,000 | 8,156,000 | 12,076,000 | 15,569,000 |
| Noninterest income | 812,000 | 1,684,000 | 2,737,000 | 2,981,000 |
| Noninterest expense | 3,011,000 | 6,225,000 | 9,358,000 | 12,277,000 |
| Provision for loan losses | 19,000 | 43,000 | 210,000 | 1,773,000 |
| Pretax income | 1,808,000 | 3,585,000 | 5,175,000 | 4,430,000 |
| Income tax | 594,000 | 1,188,000 | 1,702,000 | 1,303,000 |
| Net income | 1,214,000 | 2,397,000 | 3,473,000 | 3,127,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,304,000 | 34,746,000 | 35,829,000 | 34,741,000 |
| Total capital | 36,871,000 | 37,195,000 | 38,402,000 | 37,948,000 |
| Risk-weighted assets | 280,301,000 | 286,028,000 | 281,138,000 | 266,660,000 |