Call reports 2004
FIRST NATIONAL BANK OF GIDDINGS — 2004
What FIRST NATIONAL BANK OF GIDDINGS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 101,833,000 | 100,226,000 | 100,575,000 | 102,443,000 |
| Total loans | 45,841,000 | 47,550,000 | 51,520,000 | 52,207,000 |
| Allowance for loan losses | 1,015,000 | 1,048,000 | 1,070,000 | 1,135,000 |
| Securities available for sale | 45,501,000 | 44,574,000 | 43,105,000 | 40,015,000 |
| Securities held to maturity | 432,000 | 430,000 | 428,000 | 426,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,197,000 | 75,224,000 | 72,491,000 | 74,475,000 |
| Interest-bearing deposits | 62,661,000 | 58,528,000 | 57,160,000 | 55,627,000 |
| Noninterest-bearing deposits | 16,536,000 | 16,695,000 | 15,331,000 | 18,848,000 |
| Equity capital | 9,910,000 | 9,377,000 | 9,528,000 | 9,572,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,053,000 | 2,129,000 | 3,200,000 | 4,332,000 |
| Interest expense | 249,000 | 477,000 | 725,000 | 999,000 |
| Net interest income | 804,000 | 1,652,000 | 2,475,000 | 3,333,000 |
| Noninterest income | 108,000 | 303,000 | 412,000 | 520,000 |
| Noninterest expense | 666,000 | 1,409,000 | 2,074,000 | 2,735,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 155,000 |
| Pretax income | 216,000 | 486,000 | 723,000 | 932,000 |
| Income tax | 31,000 | 81,000 | 109,000 | 141,000 |
| Net income | 185,000 | 405,000 | 614,000 | 791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,468,000 | 9,689,000 | 9,397,000 | 9,574,000 |
| Total capital | 10,119,000 | 10,363,000 | 10,102,000 | 10,290,000 |
| Risk-weighted assets | 51,885,000 | 53,529,000 | 56,041,000 | 56,925,000 |