Call reports 2010
FIRST NATIONAL BANK OF GIDDINGS — 2010
What FIRST NATIONAL BANK OF GIDDINGS reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 147,090,000 | 145,076,000 | 147,118,000 | 148,762,000 |
| Total loans | 65,417,000 | 65,018,000 | 63,786,000 | 65,826,000 |
| Allowance for loan losses | 1,389,000 | 1,306,000 | 1,187,000 | 1,395,000 |
| Securities available for sale | 72,691,000 | 72,798,000 | 71,885,000 | 70,822,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,966,000 | 122,306,000 | 119,926,000 | 126,585,000 |
| Interest-bearing deposits | 104,749,000 | 101,449,000 | 98,384,000 | 101,188,000 |
| Noninterest-bearing deposits | 20,217,000 | 20,857,000 | 21,542,000 | 25,397,000 |
| Equity capital | 13,377,000 | 13,934,000 | 14,268,000 | 13,654,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,688,000 | 3,263,000 | 4,916,000 | 6,488,000 |
| Interest expense | 519,000 | 1,010,000 | 1,455,000 | 1,865,000 |
| Net interest income | 1,169,000 | 2,253,000 | 3,461,000 | 4,623,000 |
| Noninterest income | 147,000 | 293,000 | 442,000 | 571,000 |
| Noninterest expense | 954,000 | 1,873,000 | 2,830,000 | 3,748,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 260,000 |
| Pretax income | 362,000 | 694,000 | 1,161,000 | 1,578,000 |
| Income tax | 74,000 | 142,000 | 256,000 | 354,000 |
| Net income | 288,000 | 552,000 | 905,000 | 1,224,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,295,000 | 12,559,000 | 12,913,000 | 13,231,000 |
| Total capital | 13,224,000 | 13,481,000 | 13,827,000 | 14,159,000 |
| Risk-weighted assets | 73,872,000 | 73,375,000 | 72,861,000 | 73,808,000 |
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