Call reports 2016
FIRST NATIONAL BANK OF GIDDINGS — 2016
What FIRST NATIONAL BANK OF GIDDINGS reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 187,927,000 | 190,375,000 | 187,911,000 | 181,924,000 |
| Total loans | 87,577,000 | 89,740,000 | 93,316,000 | 96,679,000 |
| Allowance for loan losses | 1,650,000 | 1,678,000 | 1,658,000 | 1,953,000 |
| Securities available for sale | 85,559,000 | 83,381,000 | 83,363,000 | 60,964,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,163,000 | 164,220,000 | 159,095,000 | 161,921,000 |
| Interest-bearing deposits | 128,567,000 | 126,274,000 | 121,931,000 | 122,687,000 |
| Noninterest-bearing deposits | 39,596,000 | 37,946,000 | 37,164,000 | 39,234,000 |
| Equity capital | 19,304,000 | 20,664,000 | 20,911,000 | 19,657,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,601,000 | 3,650,000 | 5,255,000 | 6,846,000 |
| Interest expense | 152,000 | 309,000 | 466,000 | 617,000 |
| Net interest income | 1,449,000 | 3,341,000 | 4,789,000 | 6,229,000 |
| Noninterest income | 143,000 | 280,000 | 417,000 | 568,000 |
| Noninterest expense | 1,095,000 | 2,154,000 | 3,238,000 | 4,319,000 |
| Provision for loan losses | 0 | 0 | 0 | 300,000 |
| Pretax income | 669,000 | 1,548,000 | 2,049,000 | 2,202,000 |
| Income tax | 162,000 | 244,000 | 352,000 | 304,000 |
| Net income | 507,000 | 1,304,000 | 1,697,000 | 1,898,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,769,000 | 19,566,000 | 19,959,000 | 20,160,000 |
| Total capital | 20,032,000 | 20,839,000 | 21,285,000 | 21,482,000 |
| Risk-weighted assets | 100,670,000 | 101,484,000 | 105,824,000 | 105,131,000 |