Call reports 2012
FIRST NATIONAL BANK OF GIDDINGS — 2012
What FIRST NATIONAL BANK OF GIDDINGS reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 164,332,000 | 161,936,000 | 171,351,000 | 172,593,000 |
| Total loans | 73,624,000 | 72,420,000 | 73,155,000 | 76,032,000 |
| Allowance for loan losses | 1,422,000 | 1,487,000 | 1,503,000 | 1,515,000 |
| Securities available for sale | 77,467,000 | 81,796,000 | 88,426,000 | 84,954,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,064,000 | 139,675,000 | 137,151,000 | 144,122,000 |
| Interest-bearing deposits | 113,985,000 | 111,088,000 | 108,285,000 | 114,685,000 |
| Noninterest-bearing deposits | 27,079,000 | 28,587,000 | 28,866,000 | 29,437,000 |
| Equity capital | 15,492,000 | 15,664,000 | 16,357,000 | 15,962,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,629,000 | 3,205,000 | 4,802,000 | 6,381,000 |
| Interest expense | 332,000 | 656,000 | 960,000 | 1,249,000 |
| Net interest income | 1,297,000 | 2,549,000 | 3,842,000 | 5,132,000 |
| Noninterest income | 132,000 | 261,000 | 395,000 | 623,000 |
| Noninterest expense | 946,000 | 1,889,000 | 2,883,000 | 3,912,000 |
| Provision for loan losses | 50,000 | 200,000 | 200,000 | 200,000 |
| Pretax income | 483,000 | 940,000 | 1,420,000 | 1,938,000 |
| Income tax | 130,000 | 248,000 | 366,000 | 494,000 |
| Net income | 353,000 | 692,000 | 1,054,000 | 1,444,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,209,000 | 14,548,000 | 14,910,000 | 14,950,000 |
| Total capital | 15,192,000 | 15,543,000 | 15,933,000 | 16,006,000 |
| Risk-weighted assets | 78,213,000 | 79,095,000 | 81,497,000 | 84,047,000 |