Call reports 2023
GILMER NATIONAL BANK — 2023
What GILMER NATIONAL BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 394,889,000 | 387,253,000 | 311,825,000 | 316,531,000 |
| Total loans | 194,398,000 | 190,254,000 | 194,918,000 | 204,718,000 |
| Allowance for loan losses | 3,414,000 | 3,342,000 | 3,254,000 | 3,065,000 |
| Securities available for sale | 88,204,000 | 94,489,000 | 80,106,000 | 80,762,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 365,177,000 | 357,854,000 | 275,000,000 | 275,367,000 |
| Interest-bearing deposits | 323,634,000 | 317,266,000 | 235,996,000 | 241,069,000 |
| Noninterest-bearing deposits | 41,543,000 | 40,588,000 | 39,004,000 | 34,298,000 |
| Equity capital | 28,426,000 | 27,845,000 | 26,443,000 | 28,254,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,008,000 | 8,914,000 | 13,310,000 | 17,748,000 |
| Interest expense | 2,330,000 | 5,262,000 | 7,685,000 | 10,033,000 |
| Net interest income | 1,678,000 | 3,652,000 | 5,625,000 | 7,715,000 |
| Noninterest income | 292,000 | 538,000 | 790,000 | 975,000 |
| Noninterest expense | 1,626,000 | 3,382,000 | 5,230,000 | 7,060,000 |
| Provision for loan losses | 0 | -40,000 | -80,000 | -140,000 |
| Pretax income | 344,000 | 848,000 | 1,247,000 | 1,752,000 |
| Income tax | 65,000 | 165,000 | 245,000 | 325,000 |
| Net income | 279,000 | 683,000 | 1,002,000 | 1,427,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,608,000 | 33,431,000 | 33,750,000 | 33,212,000 |
| Total capital | 36,345,000 | 35,999,000 | 36,287,000 | 35,709,000 |
| Risk-weighted assets | 218,291,000 | 204,689,000 | 202,248,000 | 199,209,000 |