Call reports 2005
COMMERCIAL BANK OF GRAYSON, THE — 2005
What COMMERCIAL BANK OF GRAYSON, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 155,410,000 | 154,006,000 | 153,599,000 | 151,990,000 |
| Total loans | 62,471,000 | 65,207,000 | 67,516,000 | 68,056,000 |
| Allowance for loan losses | 1,430,000 | 1,431,000 | 1,433,000 | 1,435,000 |
| Securities available for sale | 64,968,000 | 62,215,000 | 57,026,000 | 53,888,000 |
| Securities held to maturity | 11,803,000 | 11,893,000 | 13,791,000 | 13,805,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,306,000 | 131,573,000 | 130,863,000 | 129,042,000 |
| Interest-bearing deposits | 106,692,000 | 104,918,000 | 103,345,000 | 102,129,000 |
| Noninterest-bearing deposits | 26,614,000 | 26,655,000 | 27,519,000 | 26,912,000 |
| Equity capital | 20,988,000 | 21,245,000 | 21,414,000 | 21,777,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,710,000 | 3,506,000 | 5,353,000 | 7,265,000 |
| Interest expense | 321,000 | 663,000 | 1,019,000 | 1,397,000 |
| Net interest income | 1,389,000 | 2,843,000 | 4,334,000 | 5,868,000 |
| Noninterest income | 192,000 | 390,000 | 592,000 | 828,000 |
| Noninterest expense | 1,251,000 | 2,414,000 | 3,608,000 | 4,852,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 278,000 | 736,000 | 1,204,000 | 1,685,000 |
| Income tax | 75,000 | 211,000 | 348,000 | 486,000 |
| Net income | 203,000 | 525,000 | 856,000 | 1,199,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,565,000 | 21,606,000 | 21,836,000 | 22,179,000 |
| Total capital | 22,346,000 | 22,416,000 | 22,688,000 | 23,031,000 |
| Risk-weighted assets | 61,841,000 | 64,171,000 | 67,566,000 | 67,560,000 |
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