Call reports 2013
GILMER NATIONAL BANK — 2013
What GILMER NATIONAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 205,989,000 | 208,794,000 | 210,015,000 | 213,542,000 |
| Total loans | 122,530,000 | 129,527,000 | 126,503,000 | 125,606,000 |
| Allowance for loan losses | 2,130,000 | 2,109,000 | 2,104,000 | 2,108,000 |
| Securities available for sale | 36,284,000 | 36,852,000 | 36,928,000 | 34,362,000 |
| Securities held to maturity | 25,063,000 | 24,986,000 | 24,214,000 | 25,049,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,084,000 | 182,735,000 | 183,102,000 | 187,686,000 |
| Interest-bearing deposits | 159,807,000 | 163,707,000 | 164,026,000 | 167,040,000 |
| Noninterest-bearing deposits | 19,277,000 | 19,028,000 | 19,076,000 | 20,646,000 |
| Equity capital | 26,353,000 | 25,409,000 | 26,144,000 | 25,580,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,237,000 | 4,562,000 | 6,943,000 | 9,309,000 |
| Interest expense | 432,000 | 876,000 | 1,333,000 | 1,796,000 |
| Net interest income | 1,805,000 | 3,686,000 | 5,610,000 | 7,513,000 |
| Noninterest income | 171,000 | 209,000 | 342,000 | 498,000 |
| Noninterest expense | 1,229,000 | 2,434,000 | 3,742,000 | 4,995,000 |
| Provision for loan losses | 210,000 | 525,000 | 810,000 | 985,000 |
| Pretax income | 537,000 | 936,000 | 1,400,000 | 2,050,000 |
| Income tax | 115,000 | 185,000 | 300,000 | 439,000 |
| Net income | 422,000 | 751,000 | 1,100,000 | 1,611,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,192,000 | 26,071,000 | 26,420,000 | 26,280,000 |
| Total capital | 27,774,000 | 27,745,000 | 28,048,000 | 27,912,000 |
| Risk-weighted assets | 126,028,000 | 133,475,000 | 129,753,000 | 130,054,000 |