Call reports 2025
FIRST NATIONAL BANK OF GRIFFIN — 2025
What FIRST NATIONAL BANK OF GRIFFIN reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 370,907,000 | 367,888,000 | 368,052,000 | 365,919,000 |
| Total loans | 145,001,000 | 157,057,000 | 170,654,000 | 179,988,000 |
| Allowance for loan losses | 1,729,000 | 1,907,000 | 1,999,000 | 2,183,000 |
| Securities available for sale | 119,916,000 | 117,967,000 | 116,263,000 | 113,816,000 |
| Securities held to maturity | 3,940,000 | 2,953,000 | 2,964,000 | 2,975,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 326,201,000 | 323,054,000 | 322,333,000 | 317,380,000 |
| Interest-bearing deposits | 210,802,000 | 210,904,000 | 205,462,000 | 204,205,000 |
| Noninterest-bearing deposits | 115,399,000 | 112,150,000 | 116,871,000 | 113,175,000 |
| Equity capital | 27,918,000 | 28,997,000 | 31,606,000 | 32,766,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,270,000 | 8,776,000 | 13,402,000 | 17,945,000 |
| Interest expense | 612,000 | 1,203,000 | 1,756,000 | 2,262,000 |
| Net interest income | 3,658,000 | 7,573,000 | 11,646,000 | 15,683,000 |
| Noninterest income | 1,125,000 | 2,079,000 | 2,675,000 | 3,315,000 |
| Noninterest expense | 2,699,000 | 5,418,000 | 8,092,000 | 10,839,000 |
| Provision for loan losses | 168,000 | 349,000 | 454,000 | 634,000 |
| Pretax income | 1,905,000 | 3,874,000 | 5,766,000 | 7,532,000 |
| Income tax | 312,000 | 689,000 | 1,134,000 | 1,509,000 |
| Net income | 1,593,000 | 3,185,000 | 4,632,000 | 6,023,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,794,000 | 38,656,000 | 39,982,000 | 40,564,000 |
| Total capital | 39,523,000 | 40,563,000 | 41,981,000 | 42,747,000 |
| Risk-weighted assets | 202,550,000 | 213,839,000 | 228,413,000 | 234,054,000 |