Call reports 2002
FIRST NATIONAL BANK OF GIDDINGS — 2002
What FIRST NATIONAL BANK OF GIDDINGS reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 83,147,000 | 80,000,000 | 79,914,000 | 81,888,000 |
| Total loans | 47,958,000 | 51,112,000 | 52,707,000 | 50,387,000 |
| Allowance for loan losses | 1,154,000 | 1,174,000 | 1,185,000 | 1,197,000 |
| Securities available for sale | 21,698,000 | 20,410,000 | 19,112,000 | 21,151,000 |
| Securities held to maturity | 554,000 | 552,000 | 550,000 | 548,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,553,000 | 70,039,000 | 70,052,000 | 71,819,000 |
| Interest-bearing deposits | 57,398,000 | 55,755,000 | 55,875,000 | 56,287,000 |
| Noninterest-bearing deposits | 16,155,000 | 14,284,000 | 14,177,000 | 15,532,000 |
| Equity capital | 9,160,000 | 9,487,000 | 9,368,000 | 9,607,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,171,000 | 2,390,000 | 3,571,000 | 4,735,000 |
| Interest expense | 408,000 | 807,000 | 1,172,000 | 1,536,000 |
| Net interest income | 763,000 | 1,583,000 | 2,399,000 | 3,199,000 |
| Noninterest income | 120,000 | 205,000 | 318,000 | 428,000 |
| Noninterest expense | 592,000 | 1,205,000 | 1,801,000 | 2,435,000 |
| Provision for loan losses | 30,000 | 50,000 | 70,000 | 100,000 |
| Pretax income | 261,000 | 533,000 | 846,000 | 1,092,000 |
| Income tax | 64,000 | 140,000 | 230,000 | 284,000 |
| Net income | 197,000 | 393,000 | 616,000 | 808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,976,000 | 9,171,000 | 8,960,000 | 9,152,000 |
| Total capital | 9,600,000 | 9,814,000 | 9,612,000 | 9,786,000 |
| Risk-weighted assets | 49,400,000 | 50,910,000 | 51,636,000 | 50,126,000 |