Call reports 2016
GILMER NATIONAL BANK — 2016
What GILMER NATIONAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 231,854,000 | 231,972,000 | 232,623,000 | 229,987,000 |
| Total loans | 138,908,000 | 132,948,000 | 132,884,000 | 133,298,000 |
| Allowance for loan losses | 2,494,000 | 2,581,000 | 2,510,000 | 2,451,000 |
| Securities available for sale | 33,664,000 | 29,409,000 | 26,335,000 | 25,991,000 |
| Securities held to maturity | 27,520,000 | 27,766,000 | 28,719,000 | 28,725,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,316,000 | 202,138,000 | 202,011,000 | 200,862,000 |
| Interest-bearing deposits | 180,312,000 | 179,224,000 | 176,795,000 | 175,132,000 |
| Noninterest-bearing deposits | 22,004,000 | 22,914,000 | 25,216,000 | 25,730,000 |
| Equity capital | 28,916,000 | 29,124,000 | 29,632,000 | 28,909,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,413,000 | 4,777,000 | 7,107,000 | 9,435,000 |
| Interest expense | 455,000 | 898,000 | 1,345,000 | 1,784,000 |
| Net interest income | 1,958,000 | 3,879,000 | 5,762,000 | 7,651,000 |
| Noninterest income | 225,000 | 406,000 | 639,000 | 901,000 |
| Noninterest expense | 1,273,000 | 2,478,000 | 3,873,000 | 5,103,000 |
| Provision for loan losses | 130,000 | 250,000 | 330,000 | 446,000 |
| Pretax income | 795,000 | 1,575,000 | 2,223,000 | 3,028,000 |
| Income tax | 210,000 | 426,000 | 583,000 | 784,000 |
| Net income | 585,000 | 1,149,000 | 1,640,000 | 2,244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,931,000 | 28,971,000 | 29,461,000 | 29,315,000 |
| Total capital | 30,750,000 | 30,738,000 | 31,222,000 | 31,075,000 |
| Risk-weighted assets | 144,870,000 | 140,553,000 | 140,172,000 | 140,166,000 |