Call reports 2025
FIRST NATIONAL BANK OF GIDDINGS — 2025
What FIRST NATIONAL BANK OF GIDDINGS reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 336,870,000 | 346,329,000 | 357,008,000 | 357,486,000 |
| Total loans | 241,396,000 | 250,548,000 | 251,768,000 | 256,172,000 |
| Allowance for loan losses | 3,502,000 | 3,509,000 | 3,637,000 | 3,881,000 |
| Securities available for sale | 72,384,000 | 76,937,000 | 78,208,000 | 77,861,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 304,827,000 | 301,456,000 | 306,829,000 | 313,581,000 |
| Interest-bearing deposits | 227,225,000 | 221,463,000 | 226,124,000 | 233,947,000 |
| Noninterest-bearing deposits | 77,602,000 | 79,993,000 | 80,705,000 | 79,634,000 |
| Equity capital | 27,500,000 | 28,339,000 | 31,483,000 | 32,588,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,295,000 | 8,680,000 | 13,413,000 | 18,136,000 |
| Interest expense | 1,719,000 | 3,483,000 | 5,282,000 | 7,033,000 |
| Net interest income | 2,576,000 | 5,197,000 | 8,131,000 | 11,103,000 |
| Noninterest income | 162,000 | 349,000 | 555,000 | 775,000 |
| Noninterest expense | 1,627,000 | 3,261,000 | 4,933,000 | 6,686,000 |
| Provision for loan losses | -146,000 | -146,000 | -146,000 | 109,000 |
| Pretax income | 1,111,000 | 2,285,000 | 3,753,000 | 4,691,000 |
| Income tax | 164,000 | 362,000 | 601,000 | 810,000 |
| Net income | 947,000 | 1,923,000 | 3,152,000 | 3,881,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,144,000 | 37,121,000 | 38,349,000 | 38,328,000 |