Call reports 2005
FIRST NATIONAL BANK OF GIDDINGS — 2005
What FIRST NATIONAL BANK OF GIDDINGS reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 100,762,000 | 102,495,000 | 95,444,000 | 102,260,000 |
| Total loans | 55,737,000 | 56,971,000 | 54,968,000 | 53,535,000 |
| Allowance for loan losses | 1,148,000 | 1,182,000 | 1,223,000 | 1,249,000 |
| Securities available for sale | 37,691,000 | 36,841,000 | 34,580,000 | 38,944,000 |
| Securities held to maturity | 368,000 | 366,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,881,000 | 79,802,000 | 68,136,000 | 69,748,000 |
| Interest-bearing deposits | 65,370,000 | 60,229,000 | 51,399,000 | 51,335,000 |
| Noninterest-bearing deposits | 16,511,000 | 19,573,000 | 16,737,000 | 18,413,000 |
| Equity capital | 9,432,000 | 9,781,000 | 9,414,000 | 9,313,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,242,000 | 2,473,000 | 3,690,000 | 4,930,000 |
| Interest expense | 287,000 | 602,000 | 975,000 | 1,404,000 |
| Net interest income | 955,000 | 1,871,000 | 2,715,000 | 3,526,000 |
| Noninterest income | 119,000 | 231,000 | 365,000 | 509,000 |
| Noninterest expense | 736,000 | 1,428,000 | 2,136,000 | 2,872,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 308,000 | 614,000 | 854,000 | 1,009,000 |
| Income tax | 67,000 | 133,000 | 180,000 | 200,000 |
| Net income | 241,000 | 481,000 | 674,000 | 809,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,716,000 | 9,956,000 | 9,649,000 | 9,784,000 |
| Total capital | 10,466,000 | 10,727,000 | 10,388,000 | 10,541,000 |
| Risk-weighted assets | 59,585,000 | 61,750,000 | 58,801,000 | 60,102,000 |