Call reports 2002
GILMER NATIONAL BANK — 2002
What GILMER NATIONAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 158,175,000 | 160,639,000 | 165,367,000 | 167,698,000 |
| Total loans | 75,808,000 | 78,749,000 | 79,933,000 | 81,661,000 |
| Allowance for loan losses | 1,042,000 | 1,142,000 | 1,171,000 | 1,233,000 |
| Securities available for sale | 43,902,000 | 46,075,000 | 39,045,000 | 45,440,000 |
| Securities held to maturity | 15,129,000 | 14,624,000 | 17,029,000 | 17,394,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,156,000 | 139,712,000 | 144,452,000 | 147,054,000 |
| Interest-bearing deposits | 125,692,000 | 127,557,000 | 131,391,000 | 135,258,000 |
| Noninterest-bearing deposits | 12,464,000 | 12,155,000 | 13,061,000 | 11,796,000 |
| Equity capital | 17,427,000 | 18,191,000 | 18,757,000 | 18,845,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,587,000 | 5,214,000 | 7,756,000 | 10,285,000 |
| Interest expense | 1,234,000 | 2,431,000 | 3,574,000 | 4,688,000 |
| Net interest income | 1,353,000 | 2,783,000 | 4,182,000 | 5,597,000 |
| Noninterest income | 168,000 | 359,000 | 498,000 | 684,000 |
| Noninterest expense | 777,000 | 1,544,000 | 2,366,000 | 3,191,000 |
| Provision for loan losses | 125,000 | 504,000 | 649,000 | 862,000 |
| Pretax income | 619,000 | 1,151,000 | 1,864,000 | 2,474,000 |
| Income tax | 166,000 | 307,000 | 492,000 | 663,000 |
| Net income | 453,000 | 844,000 | 1,372,000 | 1,811,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,715,000 | 17,835,000 | 18,363,000 | 18,432,000 |
| Total capital | 18,757,000 | 18,977,000 | 19,531,000 | 19,621,000 |
| Risk-weighted assets | 88,539,000 | 91,464,000 | 93,461,000 | 95,106,000 |
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