Call reports 2009
FIRST NATIONAL BANK OF GRIFFIN — 2009
What FIRST NATIONAL BANK OF GRIFFIN reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 306,201,000 | 297,718,000 | 305,985,000 | 279,262,000 |
| Total loans | 182,498,000 | 182,309,000 | 175,778,000 | 164,429,000 |
| Allowance for loan losses | 3,920,000 | 4,265,000 | 4,377,000 | 4,340,000 |
| Securities available for sale | 61,622,000 | 64,996,000 | 63,536,000 | 62,680,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,087,000 | 257,255,000 | 255,868,000 | 240,929,000 |
| Interest-bearing deposits | 245,792,000 | 243,983,000 | 242,841,000 | 228,215,000 |
| Noninterest-bearing deposits | 13,295,000 | 13,272,000 | 13,027,000 | 12,714,000 |
| Equity capital | 30,015,000 | 27,755,000 | 26,626,000 | 23,772,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,653,000 | 7,214,000 | 10,668,000 | 14,018,000 |
| Interest expense | 1,312,000 | 2,570,000 | 3,717,000 | 4,685,000 |
| Net interest income | 2,341,000 | 4,644,000 | 6,951,000 | 9,333,000 |
| Noninterest income | 939,000 | 1,686,000 | 2,451,000 | 1,904,000 |
| Noninterest expense | 3,165,000 | 6,554,000 | 9,805,000 | 13,289,000 |
| Provision for loan losses | 1,199,000 | 4,078,000 | 7,257,000 | 9,543,000 |
| Pretax income | -1,027,000 | -4,172,000 | -7,511,000 | -11,437,000 |
| Income tax | -461,000 | -1,719,000 | -3,056,000 | -4,407,000 |
| Net income | -566,000 | -2,453,000 | -4,455,000 | -7,030,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,269,000 | 28,391,000 | 23,835,000 | 23,796,000 |
| Total capital | 33,220,000 | 31,258,000 | 26,495,000 | 26,338,000 |
| Risk-weighted assets | 235,071,000 | 227,922,000 | 210,603,000 | 201,537,000 |