Call reports 2003
COMMERCIAL BANK OF GRAYSON, THE — 2003
What COMMERCIAL BANK OF GRAYSON, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 149,406,000 | 150,191,000 | 148,922,000 | 151,090,000 |
| Total loans | 64,005,000 | 62,507,000 | 60,895,000 | 60,752,000 |
| Allowance for loan losses | 1,478,000 | 1,505,000 | 1,485,000 | 1,476,000 |
| Securities available for sale | 59,166,000 | 59,225,000 | 59,573,000 | 62,174,000 |
| Securities held to maturity | 8,788,000 | 9,008,000 | 10,170,000 | 9,841,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,740,000 | 127,133,000 | 125,976,000 | 128,193,000 |
| Interest-bearing deposits | 103,616,000 | 103,053,000 | 101,792,000 | 102,508,000 |
| Noninterest-bearing deposits | 23,124,000 | 24,079,000 | 24,184,000 | 25,685,000 |
| Equity capital | 20,866,000 | 21,280,000 | 21,342,000 | 21,554,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,012,000 | 3,982,000 | 5,830,000 | 7,656,000 |
| Interest expense | 467,000 | 874,000 | 1,228,000 | 1,569,000 |
| Net interest income | 1,545,000 | 3,108,000 | 4,602,000 | 6,087,000 |
| Noninterest income | 195,000 | 399,000 | 593,000 | 767,000 |
| Noninterest expense | 1,160,000 | 2,261,000 | 3,352,000 | 4,502,000 |
| Provision for loan losses | 43,000 | 80,000 | 103,000 | 123,000 |
| Pretax income | 537,000 | 1,185,000 | 1,806,000 | 2,408,000 |
| Income tax | 139,000 | 365,000 | 547,000 | 729,000 |
| Net income | 398,000 | 820,000 | 1,259,000 | 1,679,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,061,000 | 20,383,000 | 20,823,000 | 21,243,000 |
| Total capital | 20,861,000 | 21,173,000 | 21,595,000 | 21,999,000 |
| Risk-weighted assets | 63,286,000 | 62,486,000 | 61,038,000 | 59,787,000 |
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