Call reports 2009
FIRST NATIONAL BANK OF GIDDINGS — 2009
What FIRST NATIONAL BANK OF GIDDINGS reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 142,178,000 | 143,750,000 | 149,454,000 | 142,763,000 |
| Total loans | 64,193,000 | 68,441,000 | 69,173,000 | 68,079,000 |
| Allowance for loan losses | 1,262,000 | 1,260,000 | 1,291,000 | 1,500,000 |
| Securities available for sale | 69,975,000 | 68,506,000 | 68,843,000 | 62,823,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,230,000 | 118,559,000 | 118,234,000 | 121,007,000 |
| Interest-bearing deposits | 102,606,000 | 101,144,000 | 99,703,000 | 99,666,000 |
| Noninterest-bearing deposits | 18,624,000 | 17,415,000 | 18,531,000 | 21,341,000 |
| Equity capital | 12,065,000 | 12,189,000 | 13,082,000 | 12,998,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,823,000 | 3,622,000 | 5,407,000 | 7,171,000 |
| Interest expense | 837,000 | 1,619,000 | 2,272,000 | 2,803,000 |
| Net interest income | 986,000 | 2,003,000 | 3,135,000 | 4,368,000 |
| Noninterest income | 144,000 | 298,000 | 453,000 | 607,000 |
| Noninterest expense | 906,000 | 1,852,000 | 2,809,000 | 3,743,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 300,000 |
| Pretax income | 714,000 | 955,000 | 1,235,000 | 1,540,000 |
| Income tax | 200,000 | 234,000 | 279,000 | 329,000 |
| Net income | 514,000 | 721,000 | 956,000 | 1,211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,360,000 | 11,567,000 | 11,802,000 | 12,007,000 |
| Total capital | 12,243,000 | 12,494,000 | 12,764,000 | 12,950,000 |
| Risk-weighted assets | 70,250,000 | 73,879,000 | 75,918,000 | 74,872,000 |