Call reports 2007
COMMERCIAL BANK OF GRAYSON, THE — 2007
What COMMERCIAL BANK OF GRAYSON, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 152,031,000 | 150,098,000 | 151,428,000 | 150,913,000 |
| Total loans | 71,813,000 | 71,961,000 | 69,267,000 | 69,942,000 |
| Allowance for loan losses | 1,397,000 | 1,379,000 | 1,368,000 | 1,338,000 |
| Securities available for sale | 46,060,000 | 45,666,000 | 46,060,000 | 47,275,000 |
| Securities held to maturity | 17,251,000 | 18,221,000 | 18,098,000 | 18,749,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,576,000 | 125,174,000 | 125,236,000 | 124,025,000 |
| Interest-bearing deposits | 99,516,000 | 97,639,000 | 97,646,000 | 97,874,000 |
| Noninterest-bearing deposits | 28,060,000 | 27,535,000 | 27,590,000 | 26,151,000 |
| Equity capital | 23,115,000 | 23,479,000 | 24,357,000 | 25,085,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,220,000 | 4,504,000 | 6,823,000 | 9,129,000 |
| Interest expense | 512,000 | 1,037,000 | 1,574,000 | 2,105,000 |
| Net interest income | 1,708,000 | 3,467,000 | 5,249,000 | 7,024,000 |
| Noninterest income | 208,000 | 424,000 | 650,000 | 907,000 |
| Noninterest expense | 1,341,000 | 2,607,000 | 3,899,000 | 5,252,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 574,000 | 1,283,000 | 1,965,000 | 2,644,000 |
| Income tax | 154,000 | 350,000 | 529,000 | 685,000 |
| Net income | 420,000 | 933,000 | 1,436,000 | 1,959,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,141,000 | 23,654,000 | 24,156,000 | 24,580,000 |
| Total capital | 24,108,000 | 24,612,000 | 25,091,000 | 25,522,000 |
| Risk-weighted assets | 76,166,000 | 76,212,000 | 74,376,000 | 74,962,000 |
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