Call reports 2004
COMMERCIAL BANK OF GRAYSON, THE — 2004
What COMMERCIAL BANK OF GRAYSON, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 154,013,000 | 152,368,000 | 153,924,000 | 154,826,000 |
| Total loans | 60,076,000 | 62,335,000 | 63,262,000 | 63,153,000 |
| Allowance for loan losses | 1,457,000 | 1,458,000 | 1,454,000 | 1,428,000 |
| Securities available for sale | 62,208,000 | 63,664,000 | 62,937,000 | 65,471,000 |
| Securities held to maturity | 11,538,000 | 12,368,000 | 12,452,000 | 11,811,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,928,000 | 130,184,000 | 131,311,000 | 132,239,000 |
| Interest-bearing deposits | 106,252,000 | 105,734,000 | 105,866,000 | 106,882,000 |
| Noninterest-bearing deposits | 24,676,000 | 24,450,000 | 25,445,000 | 25,357,000 |
| Equity capital | 21,587,000 | 20,894,000 | 21,360,000 | 21,475,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,729,000 | 3,433,000 | 5,157,000 | 6,889,000 |
| Interest expense | 326,000 | 630,000 | 935,000 | 1,254,000 |
| Net interest income | 1,403,000 | 2,803,000 | 4,222,000 | 5,635,000 |
| Noninterest income | 250,000 | 444,000 | 643,000 | 858,000 |
| Noninterest expense | 1,250,000 | 2,404,000 | 3,557,000 | 4,729,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 428,000 | 883,000 | 1,332,000 | 1,782,000 |
| Income tax | 125,000 | 268,000 | 388,000 | 498,000 |
| Net income | 303,000 | 615,000 | 944,000 | 1,284,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,146,000 | 21,158,000 | 21,487,000 | 21,827,000 |
| Total capital | 21,905,000 | 21,921,000 | 22,261,000 | 22,611,000 |
| Risk-weighted assets | 60,055,000 | 60,334,000 | 61,256,000 | 62,143,000 |
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