Call reports 2003
GILMER NATIONAL BANK — 2003
What GILMER NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 178,322,000 | 184,108,000 | 182,223,000 | 180,583,000 |
| Total loans | 82,916,000 | 83,191,000 | 84,533,000 | 85,712,000 |
| Allowance for loan losses | 1,222,000 | 1,321,000 | 1,321,000 | 1,512,000 |
| Securities available for sale | 44,386,000 | 39,219,000 | 53,365,000 | 54,345,000 |
| Securities held to maturity | 15,512,000 | 17,398,000 | 16,335,000 | 15,913,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,624,000 | 162,214,000 | 160,875,000 | 159,686,000 |
| Interest-bearing deposits | 144,273,000 | 147,418,000 | 146,348,000 | 146,666,000 |
| Noninterest-bearing deposits | 12,351,000 | 14,796,000 | 14,527,000 | 13,020,000 |
| Equity capital | 19,375,000 | 19,490,000 | 19,332,000 | 19,322,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,454,000 | 4,907,000 | 7,262,000 | 9,684,000 |
| Interest expense | 1,098,000 | 2,196,000 | 3,226,000 | 4,147,000 |
| Net interest income | 1,356,000 | 2,711,000 | 4,036,000 | 5,537,000 |
| Noninterest income | 148,000 | 305,000 | 397,000 | 534,000 |
| Noninterest expense | 833,000 | 1,591,000 | 2,434,000 | 3,293,000 |
| Provision for loan losses | 120,000 | 455,000 | 655,000 | 1,025,000 |
| Pretax income | 625,000 | 1,168,000 | 1,629,000 | 2,038,000 |
| Income tax | 155,000 | 290,000 | 390,000 | 480,000 |
| Net income | 470,000 | 878,000 | 1,239,000 | 1,558,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,902,000 | 19,039,000 | 19,400,000 | 19,349,000 |
| Total capital | 20,124,000 | 20,288,000 | 20,586,000 | 20,605,000 |
| Risk-weighted assets | 98,294,000 | 99,846,000 | 94,734,000 | 100,202,000 |
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