Call reports 2009
COMMERCIAL BANK OF GRAYSON, THE — 2009
What COMMERCIAL BANK OF GRAYSON, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 162,124,000 | 160,866,000 | 160,254,000 | 161,704,000 |
| Total loans | 69,682,000 | 70,770,000 | 71,961,000 | 71,787,000 |
| Allowance for loan losses | 1,248,000 | 1,251,000 | 1,262,000 | 1,249,000 |
| Securities available for sale | 50,312,000 | 53,641,000 | 53,415,000 | 52,669,000 |
| Securities held to maturity | 21,185,000 | 21,444,000 | 20,756,000 | 22,062,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,820,000 | 132,464,000 | 131,254,000 | 133,731,000 |
| Interest-bearing deposits | 103,968,000 | 103,417,000 | 101,889,000 | 101,603,000 |
| Noninterest-bearing deposits | 29,852,000 | 29,047,000 | 29,365,000 | 32,128,000 |
| Equity capital | 26,412,000 | 26,530,000 | 26,983,000 | 26,425,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,030,000 | 4,092,000 | 6,143,000 | 8,100,000 |
| Interest expense | 302,000 | 569,000 | 812,000 | 1,022,000 |
| Net interest income | 1,728,000 | 3,523,000 | 5,331,000 | 7,078,000 |
| Noninterest income | 243,000 | 491,000 | 738,000 | 1,013,000 |
| Noninterest expense | 1,621,000 | 3,007,000 | 4,522,000 | 5,886,000 |
| Provision for loan losses | 0 | 10,000 | 25,000 | 45,000 |
| Pretax income | 350,000 | 997,000 | 1,524,000 | 2,162,000 |
| Income tax | 57,000 | 219,000 | 340,000 | 485,000 |
| Net income | 293,000 | 778,000 | 1,184,000 | 1,677,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,149,000 | 25,485,000 | 25,740,000 | 25,320,000 |
| Total capital | 26,105,000 | 26,476,000 | 26,729,000 | 26,323,000 |
| Risk-weighted assets | 76,159,000 | 79,027,000 | 79,018,000 | 79,955,000 |
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