Call reports 2008
COMMERCIAL BANK OF GRAYSON, THE — 2008
What COMMERCIAL BANK OF GRAYSON, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 156,495,000 | 156,025,000 | 156,109,000 | 159,186,000 |
| Total loans | 68,957,000 | 69,547,000 | 69,841,000 | 70,199,000 |
| Allowance for loan losses | 1,328,000 | 1,317,000 | 1,295,000 | 1,292,000 |
| Securities available for sale | 48,138,000 | 47,053,000 | 47,446,000 | 50,765,000 |
| Securities held to maturity | 21,971,000 | 21,367,000 | 21,029,000 | 20,888,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,004,000 | 129,082,000 | 128,475,000 | 130,188,000 |
| Interest-bearing deposits | 100,606,000 | 100,015,000 | 100,673,000 | 101,506,000 |
| Noninterest-bearing deposits | 28,398,000 | 29,067,000 | 27,801,000 | 28,682,000 |
| Equity capital | 25,326,000 | 25,131,000 | 25,728,000 | 27,014,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,215,000 | 4,385,000 | 6,546,000 | 8,691,000 |
| Interest expense | 487,000 | 874,000 | 1,253,000 | 1,617,000 |
| Net interest income | 1,728,000 | 3,511,000 | 5,293,000 | 7,074,000 |
| Noninterest income | 237,000 | 514,000 | 771,000 | 1,008,000 |
| Noninterest expense | 1,507,000 | 2,854,000 | 4,170,000 | 5,467,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 458,000 | 1,171,000 | 1,894,000 | 2,615,000 |
| Income tax | 107,000 | 297,000 | 471,000 | 639,000 |
| Net income | 351,000 | 874,000 | 1,423,000 | 1,976,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,281,000 | 24,704,000 | 25,053,000 | 25,506,000 |
| Total capital | 25,231,000 | 25,652,000 | 26,000,000 | 26,463,000 |
| Risk-weighted assets | 75,608,000 | 75,488,000 | 75,436,000 | 76,221,000 |
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