Call reports 2001
COMMERCIAL BANK OF GRAYSON, THE — 2001
What COMMERCIAL BANK OF GRAYSON, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 137,838,000 | 136,910,000 | 141,092,000 | 141,104,000 |
| Total loans | 70,185,000 | 69,415,000 | 70,759,000 | 69,569,000 |
| Allowance for loan losses | 1,382,000 | 1,409,000 | 1,439,000 | 1,441,000 |
| Securities available for sale | 41,384,000 | 44,079,000 | 45,040,000 | 49,150,000 |
| Securities held to maturity | 11,353,000 | 11,544,000 | 10,099,000 | 9,552,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,464,000 | 116,147,000 | 119,226,000 | 119,576,000 |
| Interest-bearing deposits | 95,784,000 | 95,623,000 | 97,574,000 | 98,751,000 |
| Noninterest-bearing deposits | 21,680,000 | 20,524,000 | 21,652,000 | 20,825,000 |
| Equity capital | 18,077,000 | 18,490,000 | 19,332,000 | 19,536,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,442,000 | 4,885,000 | 7,330,000 | 9,701,000 |
| Interest expense | 918,000 | 1,818,000 | 2,666,000 | 3,478,000 |
| Net interest income | 1,524,000 | 3,067,000 | 4,664,000 | 6,223,000 |
| Noninterest income | 190,000 | 390,000 | 578,000 | 809,000 |
| Noninterest expense | 1,117,000 | 2,167,000 | 3,161,000 | 4,261,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 537,000 | 1,170,000 | 1,901,000 | 2,619,000 |
| Income tax | 153,000 | 341,000 | 565,000 | 781,000 |
| Net income | 384,000 | 829,000 | 1,336,000 | 1,838,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,593,000 | 17,939,000 | 18,450,000 | 18,948,000 |
| Total capital | 18,468,000 | 18,810,000 | 19,350,000 | 19,826,000 |
| Risk-weighted assets | 69,520,000 | 69,182,000 | 71,501,000 | 69,690,000 |