Call reports 2002
COMMERCIAL BANK OF GRAYSON, THE — 2002
What COMMERCIAL BANK OF GRAYSON, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 144,094,000 | 144,391,000 | 145,142,000 | 146,518,000 |
| Total loans | 66,667,000 | 66,604,000 | 67,123,000 | 64,453,000 |
| Allowance for loan losses | 1,472,000 | 1,464,000 | 1,467,000 | 1,480,000 |
| Securities available for sale | 51,799,000 | 54,322,000 | 54,990,000 | 60,901,000 |
| Securities held to maturity | 8,963,000 | 7,966,000 | 7,244,000 | 7,939,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,141,000 | 122,676,000 | 122,399,000 | 123,642,000 |
| Interest-bearing deposits | 101,683,000 | 100,984,000 | 100,502,000 | 100,960,000 |
| Noninterest-bearing deposits | 21,458,000 | 21,693,000 | 21,897,000 | 22,682,000 |
| Equity capital | 19,160,000 | 19,858,000 | 20,631,000 | 21,028,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,238,000 | 4,450,000 | 6,651,000 | 8,769,000 |
| Interest expense | 679,000 | 1,331,000 | 1,951,000 | 2,499,000 |
| Net interest income | 1,559,000 | 3,119,000 | 4,700,000 | 6,270,000 |
| Noninterest income | 179,000 | 357,000 | 541,000 | 748,000 |
| Noninterest expense | 1,140,000 | 2,220,000 | 3,333,000 | 4,456,000 |
| Provision for loan losses | 60,000 | 115,000 | 160,000 | 205,000 |
| Pretax income | 551,000 | 1,154,000 | 1,761,000 | 2,370,000 |
| Income tax | 175,000 | 340,000 | 522,000 | 706,000 |
| Net income | 376,000 | 814,000 | 1,239,000 | 1,664,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,926,000 | 19,262,000 | 19,636,000 | 20,061,000 |
| Total capital | 19,775,000 | 20,096,000 | 20,483,000 | 20,861,000 |
| Risk-weighted assets | 67,313,000 | 66,126,000 | 67,167,000 | 63,284,000 |
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