Call reports 2015
GILMER NATIONAL BANK — 2015
What GILMER NATIONAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 235,768,000 | 233,030,000 | 237,762,000 | 231,626,000 |
| Total loans | 134,016,000 | 132,636,000 | 132,235,000 | 134,798,000 |
| Allowance for loan losses | 2,391,000 | 2,440,000 | 2,446,000 | 2,435,000 |
| Securities available for sale | 29,554,000 | 34,874,000 | 35,561,000 | 35,715,000 |
| Securities held to maturity | 26,343,000 | 27,291,000 | 27,673,000 | 27,418,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,514,000 | 204,767,000 | 208,560,000 | 203,272,000 |
| Interest-bearing deposits | 182,233,000 | 180,438,000 | 181,169,000 | 180,552,000 |
| Noninterest-bearing deposits | 25,281,000 | 24,329,000 | 27,391,000 | 22,720,000 |
| Equity capital | 27,793,000 | 27,592,000 | 28,403,000 | 28,116,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,380,000 | 4,763,000 | 7,154,000 | 9,505,000 |
| Interest expense | 490,000 | 973,000 | 1,435,000 | 1,893,000 |
| Net interest income | 1,890,000 | 3,790,000 | 5,719,000 | 7,612,000 |
| Noninterest income | 220,000 | 353,000 | 568,000 | 814,000 |
| Noninterest expense | 1,224,000 | 2,456,000 | 3,696,000 | 4,816,000 |
| Provision for loan losses | 140,000 | 230,000 | 310,000 | 390,000 |
| Pretax income | 766,000 | 1,477,000 | 2,301,000 | 3,240,000 |
| Income tax | 195,000 | 375,000 | 595,000 | 846,000 |
| Net income | 571,000 | 1,102,000 | 1,706,000 | 2,394,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,747,000 | 27,803,000 | 28,407,000 | 28,346,000 |
| Total capital | 29,569,000 | 29,605,000 | 30,159,000 | 30,115,000 |
| Risk-weighted assets | 145,195,000 | 143,566,000 | 139,482,000 | 140,930,000 |