Call reports 2008
FIRST NATIONAL BANK OF GIDDINGS — 2008
What FIRST NATIONAL BANK OF GIDDINGS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 125,174,000 | 125,107,000 | 129,509,000 | 138,983,000 |
| Total loans | 56,736,000 | 59,576,000 | 60,329,000 | 62,957,000 |
| Allowance for loan losses | 1,306,000 | 1,283,000 | 1,277,000 | 1,252,000 |
| Securities available for sale | 59,638,000 | 58,744,000 | 59,916,000 | 64,769,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,147,000 | 104,554,000 | 112,955,000 | 112,974,000 |
| Interest-bearing deposits | 90,102,000 | 86,663,000 | 92,614,000 | 92,361,000 |
| Noninterest-bearing deposits | 18,045,000 | 17,891,000 | 20,341,000 | 20,613,000 |
| Equity capital | 10,890,000 | 9,773,000 | 10,848,000 | 11,967,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,850,000 | 3,594,000 | 5,412,000 | 7,206,000 |
| Interest expense | 923,000 | 1,759,000 | 2,546,000 | 3,321,000 |
| Net interest income | 927,000 | 1,835,000 | 2,866,000 | 3,885,000 |
| Noninterest income | 168,000 | 419,000 | 591,000 | 755,000 |
| Noninterest expense | 866,000 | 1,732,000 | 2,626,000 | 3,562,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 302,000 | 614,000 | 925,000 | 1,242,000 |
| Income tax | 65,000 | 134,000 | 200,000 | 260,000 |
| Net income | 237,000 | 480,000 | 725,000 | 982,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,210,000 | 10,423,000 | 10,639,000 | 10,896,000 |
| Total capital | 11,034,000 | 11,261,000 | 11,493,000 | 11,778,000 |
| Risk-weighted assets | 65,470,000 | 66,595,000 | 67,900,000 | 70,209,000 |