Call reports 2013
FIRST NATIONAL BANK OF GIDDINGS — 2013
What FIRST NATIONAL BANK OF GIDDINGS reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 169,153,000 | 168,879,000 | 159,398,000 | 165,686,000 |
| Total loans | 78,507,000 | 79,007,000 | 78,911,000 | 79,692,000 |
| Allowance for loan losses | 1,516,000 | 1,556,000 | 1,555,000 | 1,652,000 |
| Securities available for sale | 83,311,000 | 80,596,000 | 70,717,000 | 68,890,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,592,000 | 146,975,000 | 143,137,000 | 149,540,000 |
| Interest-bearing deposits | 119,736,000 | 116,568,000 | 110,718,000 | 113,908,000 |
| Noninterest-bearing deposits | 31,856,000 | 30,407,000 | 32,419,000 | 35,632,000 |
| Equity capital | 16,094,000 | 14,887,000 | 15,641,000 | 15,781,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,519,000 | 2,998,000 | 4,533,000 | 6,077,000 |
| Interest expense | 260,000 | 500,000 | 696,000 | 870,000 |
| Net interest income | 1,259,000 | 2,498,000 | 3,837,000 | 5,207,000 |
| Noninterest income | 238,000 | 382,000 | 516,000 | 611,000 |
| Noninterest expense | 936,000 | 1,874,000 | 2,820,000 | 3,754,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 561,000 | 1,006,000 | 1,540,000 | 1,971,000 |
| Income tax | 141,000 | 242,000 | 372,000 | 463,000 |
| Net income | 420,000 | 764,000 | 1,168,000 | 1,508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,370,000 | 15,714,000 | 16,118,000 | 16,358,000 |
| Total capital | 16,422,000 | 16,796,000 | 17,180,000 | 17,428,000 |
| Risk-weighted assets | 83,688,000 | 86,095,000 | 84,466,000 | 85,035,000 |