Call reports 2007
GILMER NATIONAL BANK — 2007
What GILMER NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 184,308,000 | 186,113,000 | 183,253,000 | 183,322,000 |
| Total loans | 90,597,000 | 89,239,000 | 91,581,000 | 90,155,000 |
| Allowance for loan losses | 1,431,000 | 1,501,000 | 1,600,000 | 1,590,000 |
| Securities available for sale | 46,660,000 | 45,518,000 | 46,866,000 | 43,306,000 |
| Securities held to maturity | 18,277,000 | 18,357,000 | 18,171,000 | 19,713,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,786,000 | 162,521,000 | 158,543,000 | 159,201,000 |
| Interest-bearing deposits | 143,040,000 | 144,199,000 | 139,452,000 | 138,359,000 |
| Noninterest-bearing deposits | 17,746,000 | 18,322,000 | 19,091,000 | 20,842,000 |
| Equity capital | 21,673,000 | 21,447,000 | 22,146,000 | 22,480,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,875,000 | 5,810,000 | 8,733,000 | 11,572,000 |
| Interest expense | 1,408,000 | 2,842,000 | 4,287,000 | 5,679,000 |
| Net interest income | 1,467,000 | 2,968,000 | 4,446,000 | 5,893,000 |
| Noninterest income | 152,000 | 365,000 | 605,000 | 845,000 |
| Noninterest expense | 1,034,000 | 2,015,000 | 3,064,000 | 4,090,000 |
| Provision for loan losses | 225,000 | 643,000 | 1,000,000 | 1,041,000 |
| Pretax income | 360,000 | 675,000 | 987,000 | 1,607,000 |
| Income tax | 61,000 | 107,000 | 154,000 | 312,000 |
| Net income | 299,000 | 568,000 | 833,000 | 1,295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,197,000 | 22,195,000 | 22,459,000 | 22,503,000 |
| Total capital | 23,493,000 | 23,487,000 | 23,755,000 | 23,779,000 |
| Risk-weighted assets | 103,532,000 | 103,144,000 | 103,382,000 | 101,789,000 |