Call reports 2008
FIRST NATIONAL BANK OF GRIFFIN — 2008
What FIRST NATIONAL BANK OF GRIFFIN reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 328,814,000 | 324,770,000 | 316,401,000 | 297,812,000 |
| Total loans | 219,406,000 | 212,553,000 | 208,993,000 | 194,501,000 |
| Allowance for loan losses | 3,429,000 | 3,433,000 | 1,821,000 | 4,080,000 |
| Securities available for sale | 62,943,000 | 63,709,000 | 61,547,000 | 63,021,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,145,000 | 259,666,000 | 251,419,000 | 247,219,000 |
| Interest-bearing deposits | 255,322,000 | 244,735,000 | 238,801,000 | 236,503,000 |
| Noninterest-bearing deposits | 12,823,000 | 14,931,000 | 12,618,000 | 10,716,000 |
| Equity capital | 39,397,000 | 37,755,000 | 37,162,000 | 30,392,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,058,000 | 9,375,000 | 13,465,000 | 17,331,000 |
| Interest expense | 2,059,000 | 3,847,000 | 5,441,000 | 6,956,000 |
| Net interest income | 2,999,000 | 5,528,000 | 8,024,000 | 10,375,000 |
| Noninterest income | 958,000 | 2,039,000 | 3,137,000 | 4,106,000 |
| Noninterest expense | 3,050,000 | 6,208,000 | 9,424,000 | 17,226,000 |
| Provision for loan losses | 1,066,000 | 1,692,000 | 2,137,000 | 7,595,000 |
| Pretax income | -130,000 | -273,000 | -302,000 | -10,198,000 |
| Income tax | -145,000 | -327,000 | -412,000 | -2,598,000 |
| Net income | 15,000 | 54,000 | 110,000 | -7,600,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,764,000 | 34,060,000 | 34,126,000 | 30,826,000 |
| Total capital | 38,090,000 | 37,266,000 | 35,947,000 | 33,850,000 |
| Risk-weighted assets | 265,420,000 | 256,278,000 | 254,310,000 | 240,870,000 |