Call reports 2008
GILMER NATIONAL BANK — 2008
What GILMER NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 182,314,000 | 185,910,000 | 181,684,000 | 185,272,000 |
| Total loans | 91,203,000 | 92,472,000 | 93,991,000 | 96,648,000 |
| Allowance for loan losses | 1,966,000 | 2,027,000 | 1,941,000 | 2,013,000 |
| Securities available for sale | 41,588,000 | 39,161,000 | 39,240,000 | 40,528,000 |
| Securities held to maturity | 20,109,000 | 20,796,000 | 21,142,000 | 21,420,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,488,000 | 161,585,000 | 156,594,000 | 159,691,000 |
| Interest-bearing deposits | 137,618,000 | 139,654,000 | 136,886,000 | 140,852,000 |
| Noninterest-bearing deposits | 19,869,000 | 21,931,000 | 19,707,000 | 18,839,000 |
| Equity capital | 23,022,000 | 22,371,000 | 23,170,000 | 23,630,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,801,000 | 5,555,000 | 8,241,000 | 10,903,000 |
| Interest expense | 1,312,000 | 2,508,000 | 3,600,000 | 4,640,000 |
| Net interest income | 1,489,000 | 3,047,000 | 4,641,000 | 6,263,000 |
| Noninterest income | 202,000 | 417,000 | 653,000 | 861,000 |
| Noninterest expense | 1,039,000 | 2,102,000 | 3,203,000 | 4,335,000 |
| Provision for loan losses | 410,000 | 630,000 | 855,000 | 1,240,000 |
| Pretax income | 242,000 | 734,000 | 1,238,000 | 1,551,000 |
| Income tax | 34,000 | 126,000 | 239,000 | 275,000 |
| Net income | 208,000 | 608,000 | 999,000 | 1,276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,710,000 | 22,839,000 | 23,230,000 | 23,091,000 |
| Total capital | 23,997,000 | 24,146,000 | 24,543,000 | 24,420,000 |
| Risk-weighted assets | 102,303,000 | 103,878,000 | 104,426,000 | 105,654,000 |
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