Call reports 2006
GILMER NATIONAL BANK — 2006
What GILMER NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 185,691,000 | 186,399,000 | 187,459,000 | 186,014,000 |
| Total loans | 89,776,000 | 89,291,000 | 91,633,000 | 90,946,000 |
| Allowance for loan losses | 1,391,000 | 1,376,000 | 1,485,000 | 1,620,000 |
| Securities available for sale | 46,655,000 | 46,501,000 | 47,567,000 | 47,950,000 |
| Securities held to maturity | 17,994,000 | 17,818,000 | 17,961,000 | 18,510,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,096,000 | 163,920,000 | 164,162,000 | 163,095,000 |
| Interest-bearing deposits | 144,178,000 | 143,611,000 | 142,369,000 | 143,391,000 |
| Noninterest-bearing deposits | 18,918,000 | 20,309,000 | 21,793,000 | 19,704,000 |
| Equity capital | 20,924,000 | 20,642,000 | 21,275,000 | 21,235,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,613,000 | 5,373,000 | 8,152,000 | 11,008,000 |
| Interest expense | 1,137,000 | 2,352,000 | 3,664,000 | 5,055,000 |
| Net interest income | 1,476,000 | 3,021,000 | 4,488,000 | 5,953,000 |
| Noninterest income | 154,000 | 334,000 | 457,000 | 614,000 |
| Noninterest expense | 937,000 | 1,842,000 | 2,806,000 | 3,777,000 |
| Provision for loan losses | 265,000 | 740,000 | 1,070,000 | 1,620,000 |
| Pretax income | 428,000 | 773,000 | 1,069,000 | 1,170,000 |
| Income tax | 83,000 | 140,000 | 178,000 | 154,000 |
| Net income | 345,000 | 633,000 | 891,000 | 1,016,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,917,000 | 21,934,000 | 22,192,000 | 21,898,000 |
| Total capital | 23,200,000 | 23,224,000 | 23,507,000 | 23,208,000 |
| Risk-weighted assets | 102,517,000 | 103,122,000 | 104,997,000 | 104,507,000 |