Call reports 2010
GILMER NATIONAL BANK — 2010
What GILMER NATIONAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 185,656,000 | 184,148,000 | 186,656,000 | 187,065,000 |
| Total loans | 100,784,000 | 103,136,000 | 104,186,000 | 107,493,000 |
| Allowance for loan losses | 2,304,000 | 2,483,000 | 2,216,000 | 2,295,000 |
| Securities available for sale | 31,071,000 | 27,374,000 | 29,502,000 | 31,129,000 |
| Securities held to maturity | 25,163,000 | 26,415,000 | 27,533,000 | 27,477,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,703,000 | 157,684,000 | 159,875,000 | 161,053,000 |
| Interest-bearing deposits | 139,424,000 | 141,401,000 | 141,572,000 | 142,211,000 |
| Noninterest-bearing deposits | 20,279,000 | 16,283,000 | 18,303,000 | 18,842,000 |
| Equity capital | 24,487,000 | 24,672,000 | 24,892,000 | 24,601,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,271,000 | 4,526,000 | 6,750,000 | 8,982,000 |
| Interest expense | 608,000 | 1,182,000 | 1,739,000 | 2,250,000 |
| Net interest income | 1,663,000 | 3,344,000 | 5,011,000 | 6,732,000 |
| Noninterest income | 177,000 | 209,000 | 165,000 | 202,000 |
| Noninterest expense | 1,124,000 | 2,286,000 | 3,352,000 | 4,480,000 |
| Provision for loan losses | 250,000 | 500,000 | 725,000 | 875,000 |
| Pretax income | 563,000 | 1,214,000 | 1,556,000 | 2,036,000 |
| Income tax | 110,000 | 250,000 | 292,000 | 375,000 |
| Net income | 453,000 | 964,000 | 1,264,000 | 1,661,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,942,000 | 24,185,000 | 24,485,000 | 24,421,000 |
| Total capital | 25,305,000 | 25,558,000 | 25,864,000 | 25,813,000 |
| Risk-weighted assets | 108,091,000 | 108,768,000 | 109,493,000 | 110,496,000 |