Call reports 2015
FIRST NATIONAL BANK OF GIDDINGS — 2015
What FIRST NATIONAL BANK OF GIDDINGS reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 181,826,000 | 183,092,000 | 187,491,000 | 191,433,000 |
| Total loans | 81,262,000 | 81,321,000 | 86,039,000 | 85,523,000 |
| Allowance for loan losses | 1,729,000 | 1,738,000 | 1,655,000 | 1,645,000 |
| Securities available for sale | 92,378,000 | 90,529,000 | 94,516,000 | 92,740,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,478,000 | 165,140,000 | 165,533,000 | 164,748,000 |
| Interest-bearing deposits | 126,700,000 | 126,499,000 | 127,973,000 | 126,797,000 |
| Noninterest-bearing deposits | 36,778,000 | 38,641,000 | 37,560,000 | 37,951,000 |
| Equity capital | 17,885,000 | 17,472,000 | 18,481,000 | 18,830,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,544,000 | 3,086,000 | 4,699,000 | 6,306,000 |
| Interest expense | 163,000 | 321,000 | 472,000 | 622,000 |
| Net interest income | 1,381,000 | 2,765,000 | 4,227,000 | 5,684,000 |
| Noninterest income | 109,000 | 227,000 | 384,000 | 500,000 |
| Noninterest expense | 1,028,000 | 2,052,000 | 3,116,000 | 4,163,000 |
| Provision for loan losses | 0 | 0 | 0 | 200,000 |
| Pretax income | 462,000 | 1,085,000 | 1,631,000 | 1,957,000 |
| Income tax | 96,000 | 237,000 | 348,000 | 384,000 |
| Net income | 366,000 | 848,000 | 1,283,000 | 1,573,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,304,000 | 17,787,000 | 18,222,000 | 18,512,000 |
| Total capital | 18,448,000 | 18,973,000 | 19,445,000 | 19,779,000 |
| Risk-weighted assets | 90,932,000 | 94,362,000 | 97,440,000 | 101,016,000 |