Call reports 2007
FIRST NATIONAL BANK OF GIDDINGS — 2007
What FIRST NATIONAL BANK OF GIDDINGS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 103,265,000 | 103,515,000 | 112,742,000 | 127,346,000 |
| Total loans | 56,653,000 | 57,226,000 | 60,651,000 | 62,148,000 |
| Allowance for loan losses | 1,316,000 | 1,317,000 | 1,294,000 | 1,302,000 |
| Securities available for sale | 39,221,000 | 40,664,000 | 45,643,000 | 56,232,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,618,000 | 83,933,000 | 93,554,000 | 100,789,000 |
| Interest-bearing deposits | 67,032,000 | 67,798,000 | 76,978,000 | 81,988,000 |
| Noninterest-bearing deposits | 17,586,000 | 16,135,000 | 16,576,000 | 18,801,000 |
| Equity capital | 9,797,000 | 9,523,000 | 9,796,000 | 10,208,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,519,000 | 3,103,000 | 4,767,000 | 6,576,000 |
| Interest expense | 660,000 | 1,336,000 | 2,068,000 | 2,911,000 |
| Net interest income | 859,000 | 1,767,000 | 2,699,000 | 3,665,000 |
| Noninterest income | 135,000 | 283,000 | 438,000 | 606,000 |
| Noninterest expense | 773,000 | 1,570,000 | 2,395,000 | 3,213,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 186,000 | 445,000 | 698,000 | 1,014,000 |
| Income tax | 20,000 | 67,000 | 111,000 | 181,000 |
| Net income | 166,000 | 378,000 | 587,000 | 833,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,906,000 | 10,118,000 | 9,977,000 | 9,974,000 |
| Total capital | 10,699,000 | 10,913,000 | 10,826,000 | 10,864,000 |
| Risk-weighted assets | 62,921,000 | 63,107,000 | 67,492,000 | 70,822,000 |