Call reports 2020
GILMER NATIONAL BANK — 2020
What GILMER NATIONAL BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 226,541,000 | 249,456,000 | 244,924,000 | 243,170,000 |
| Total loans | 165,508,000 | 167,397,000 | 168,451,000 | 174,041,000 |
| Allowance for loan losses | 2,757,000 | 2,852,000 | 2,906,000 | 3,094,000 |
| Securities available for sale | 27,596,000 | 33,543,000 | 33,836,000 | 36,536,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,884,000 | 215,467,000 | 210,153,000 | 209,681,000 |
| Interest-bearing deposits | 162,083,000 | 175,404,000 | 169,639,000 | 173,580,000 |
| Noninterest-bearing deposits | 30,801,000 | 40,063,000 | 40,514,000 | 36,101,000 |
| Equity capital | 32,755,000 | 32,918,000 | 33,517,000 | 32,932,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,771,000 | 5,427,000 | 8,087,000 | 10,793,000 |
| Interest expense | 630,000 | 1,203,000 | 1,745,000 | 2,210,000 |
| Net interest income | 2,141,000 | 4,224,000 | 6,342,000 | 8,583,000 |
| Noninterest income | 214,000 | 398,000 | 580,000 | 774,000 |
| Noninterest expense | 1,368,000 | 2,767,000 | 4,109,000 | 5,520,000 |
| Provision for loan losses | 120,000 | 330,000 | 630,000 | 1,130,000 |
| Pretax income | 867,000 | 1,525,000 | 2,183,000 | 2,746,000 |
| Income tax | 175,000 | 309,000 | 431,000 | 561,000 |
| Net income | 692,000 | 1,216,000 | 1,752,000 | 2,185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,102,000 | 32,469,000 | 33,006,000 | 32,469,000 |
| Total capital | 35,136,000 | 34,566,000 | 35,108,000 | 34,457,000 |
| Risk-weighted assets | 162,034,000 | 167,080,000 | 167,416,000 | 157,961,000 |