Call reports 2005
GILMER NATIONAL BANK — 2005
What GILMER NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 179,251,000 | 184,840,000 | 186,477,000 | 181,250,000 |
| Total loans | 90,057,000 | 87,426,000 | 88,694,000 | 87,712,000 |
| Allowance for loan losses | 1,428,000 | 1,405,000 | 1,378,000 | 1,392,000 |
| Securities available for sale | 44,655,000 | 45,591,000 | 45,839,000 | 45,896,000 |
| Securities held to maturity | 17,730,000 | 17,882,000 | 18,005,000 | 18,373,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,229,000 | 162,399,000 | 163,498,000 | 159,006,000 |
| Interest-bearing deposits | 140,811,000 | 145,126,000 | 143,284,000 | 143,007,000 |
| Noninterest-bearing deposits | 16,418,000 | 17,273,000 | 20,214,000 | 15,999,000 |
| Equity capital | 20,423,000 | 20,708,000 | 21,027,000 | 20,736,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,427,000 | 4,958,000 | 7,546,000 | 10,179,000 |
| Interest expense | 834,000 | 1,760,000 | 2,780,000 | 3,869,000 |
| Net interest income | 1,593,000 | 3,198,000 | 4,766,000 | 6,310,000 |
| Noninterest income | 131,000 | 272,000 | 358,000 | 524,000 |
| Noninterest expense | 925,000 | 1,795,000 | 2,720,000 | 3,631,000 |
| Provision for loan losses | 424,000 | 984,000 | 1,069,000 | 1,329,000 |
| Pretax income | 375,000 | 691,000 | 1,335,000 | 1,874,000 |
| Income tax | 65,000 | 115,000 | 275,000 | 395,000 |
| Net income | 310,000 | 576,000 | 1,060,000 | 1,479,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,092,000 | 21,088,000 | 21,572,000 | 21,572,000 |
| Total capital | 22,422,000 | 22,410,000 | 22,911,000 | 22,827,000 |
| Risk-weighted assets | 106,340,000 | 105,714,000 | 107,092,000 | 100,240,000 |