Call reports 2009
GILMER NATIONAL BANK — 2009
What GILMER NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 188,862,000 | 185,793,000 | 182,856,000 | 184,674,000 |
| Total loans | 97,733,000 | 99,468,000 | 99,136,000 | 102,223,000 |
| Allowance for loan losses | 2,065,000 | 2,201,000 | 2,248,000 | 2,150,000 |
| Securities available for sale | 37,357,000 | 36,377,000 | 36,502,000 | 34,508,000 |
| Securities held to maturity | 21,922,000 | 22,920,000 | 23,612,000 | 24,149,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,911,000 | 160,085,000 | 156,723,000 | 159,142,000 |
| Interest-bearing deposits | 145,391,000 | 142,531,000 | 139,402,000 | 141,269,000 |
| Noninterest-bearing deposits | 17,520,000 | 17,554,000 | 17,321,000 | 17,873,000 |
| Equity capital | 23,999,000 | 23,695,000 | 24,188,000 | 24,042,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,533,000 | 5,132,000 | 7,524,000 | 9,916,000 |
| Interest expense | 980,000 | 1,888,000 | 2,700,000 | 3,389,000 |
| Net interest income | 1,553,000 | 3,244,000 | 4,824,000 | 6,527,000 |
| Noninterest income | 37,000 | 255,000 | 379,000 | 604,000 |
| Noninterest expense | 1,069,000 | 2,250,000 | 3,399,000 | 4,619,000 |
| Provision for loan losses | 100,000 | 828,000 | 1,078,000 | 1,413,000 |
| Pretax income | 429,000 | 429,000 | 841,000 | 1,214,000 |
| Income tax | 77,000 | 27,000 | 76,000 | 130,000 |
| Net income | 352,000 | 402,000 | 765,000 | 1,084,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,443,000 | 23,224,000 | 23,587,000 | 23,489,000 |
| Total capital | 24,789,000 | 24,525,000 | 24,912,000 | 24,844,000 |
| Risk-weighted assets | 106,982,000 | 107,336,000 | 105,046,000 | 108,343,000 |