Call reports 2004
GILMER NATIONAL BANK — 2004
What GILMER NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 178,614,000 | 179,321,000 | 184,050,000 | 176,659,000 |
| Total loans | 86,828,000 | 86,622,000 | 88,199,000 | 90,114,000 |
| Allowance for loan losses | 1,483,000 | 1,460,000 | 1,404,000 | 1,500,000 |
| Securities available for sale | 47,098,000 | 47,946,000 | 48,145,000 | 46,643,000 |
| Securities held to maturity | 15,453,000 | 17,042,000 | 17,378,000 | 17,663,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,371,000 | 158,003,000 | 161,395,000 | 154,547,000 |
| Interest-bearing deposits | 142,854,000 | 143,104,000 | 144,245,000 | 140,057,000 |
| Noninterest-bearing deposits | 13,517,000 | 14,899,000 | 17,149,000 | 14,490,000 |
| Equity capital | 20,130,000 | 19,297,000 | 20,657,000 | 20,571,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,394,000 | 4,809,000 | 7,255,000 | 9,734,000 |
| Interest expense | 826,000 | 1,613,000 | 2,393,000 | 3,196,000 |
| Net interest income | 1,568,000 | 3,196,000 | 4,862,000 | 6,538,000 |
| Noninterest income | 95,000 | 226,000 | 350,000 | 496,000 |
| Noninterest expense | 863,000 | 1,668,000 | 2,550,000 | 3,399,000 |
| Provision for loan losses | 155,000 | 399,000 | 564,000 | 831,000 |
| Pretax income | 695,000 | 1,405,000 | 2,148,000 | 2,854,000 |
| Income tax | 180,000 | 370,000 | 550,000 | 730,000 |
| Net income | 515,000 | 1,035,000 | 1,598,000 | 2,124,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,864,000 | 20,113,000 | 20,676,000 | 20,783,000 |
| Total capital | 21,147,000 | 21,412,000 | 21,994,000 | 22,105,000 |
| Risk-weighted assets | 102,431,000 | 103,754,000 | 105,347,000 | 105,618,000 |