Call reports 2025
GILMER NATIONAL BANK — 2025
What GILMER NATIONAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 352,475,000 | 358,666,000 | 364,842,000 | 365,413,000 |
| Total loans | 258,705,000 | 260,402,000 | 266,128,000 | 270,558,000 |
| Allowance for loan losses | 3,256,000 | 3,500,000 | 3,116,000 | 3,331,000 |
| Securities available for sale | 57,001,000 | 55,933,000 | 57,619,000 | 59,242,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 321,059,000 | 326,261,000 | 331,093,000 | 332,451,000 |
| Interest-bearing deposits | 281,304,000 | 288,605,000 | 291,572,000 | 292,743,000 |
| Noninterest-bearing deposits | 39,755,000 | 37,656,000 | 39,521,000 | 39,708,000 |
| Equity capital | 30,235,000 | 30,887,000 | 32,047,000 | 32,184,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,450,000 | 10,968,000 | 16,447,000 | 22,092,000 |
| Interest expense | 2,643,000 | 5,286,000 | 7,941,000 | 10,559,000 |
| Net interest income | 2,807,000 | 5,682,000 | 8,506,000 | 11,533,000 |
| Noninterest income | 213,000 | 420,000 | 656,000 | 882,000 |
| Noninterest expense | 1,957,000 | 3,802,000 | 5,793,000 | 7,654,000 |
| Provision for loan losses | 200,000 | 572,000 | 827,000 | 1,274,000 |
| Pretax income | 863,000 | 1,728,000 | 2,542,000 | 3,487,000 |
| Income tax | 175,000 | 362,000 | 516,000 | 736,000 |
| Net income | 688,000 | 1,366,000 | 2,026,000 | 2,751,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,583,000 | 34,781,000 | 35,441,000 | 35,206,000 |
| Total capital | 37,611,000 | 37,698,000 | 38,328,000 | 38,205,000 |
| Risk-weighted assets | 242,091,000 | 232,787,000 | 230,766,000 | 239,575,000 |