Call reports 2003
FIRST NATIONAL BANK OF GIDDINGS — 2003
What FIRST NATIONAL BANK OF GIDDINGS reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 82,992,000 | 99,453,000 | 98,519,000 | 102,631,000 |
| Total loans | 48,595,000 | 46,608,000 | 47,060,000 | 45,413,000 |
| Allowance for loan losses | 1,225,000 | 1,259,000 | 947,000 | 971,000 |
| Securities available for sale | 21,412,000 | 41,663,000 | 43,892,000 | 45,870,000 |
| Securities held to maturity | 496,000 | 494,000 | 492,000 | 490,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,820,000 | 74,049,000 | 72,242,000 | 73,113,000 |
| Interest-bearing deposits | 58,388,000 | 56,912,000 | 57,014,000 | 56,284,000 |
| Noninterest-bearing deposits | 14,432,000 | 17,137,000 | 15,228,000 | 16,829,000 |
| Equity capital | 9,688,000 | 9,956,000 | 9,504,000 | 9,412,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,143,000 | 2,253,000 | 3,402,000 | 4,537,000 |
| Interest expense | 364,000 | 653,000 | 921,000 | 1,176,000 |
| Net interest income | 779,000 | 1,600,000 | 2,481,000 | 3,361,000 |
| Noninterest income | 109,000 | 216,000 | 330,000 | 433,000 |
| Noninterest expense | 617,000 | 1,260,000 | 1,891,000 | 2,540,000 |
| Provision for loan losses | 30,000 | 60,000 | 120,000 | 240,000 |
| Pretax income | 241,000 | 496,000 | 800,000 | 1,014,000 |
| Income tax | 51,000 | 108,000 | 183,000 | 217,000 |
| Net income | 190,000 | 388,000 | 617,000 | 797,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,287,000 | 9,485,000 | 9,379,000 | 9,284,000 |
| Total capital | 9,910,000 | 10,137,000 | 10,038,000 | 9,942,000 |
| Risk-weighted assets | 49,264,000 | 51,566,000 | 52,446,000 | 52,312,000 |