Call reports 2011
COMMERCIAL BANK OF GRAYSON, THE — 2011
What COMMERCIAL BANK OF GRAYSON, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 167,764,000 | 164,370,000 | 165,228,000 | 165,993,000 |
| Total loans | 69,868,000 | 66,587,000 | 65,298,000 | 65,909,000 |
| Allowance for loan losses | 1,217,000 | 1,249,000 | 1,235,000 | 1,228,000 |
| Securities available for sale | 54,786,000 | 57,109,000 | 60,139,000 | 60,992,000 |
| Securities held to maturity | 21,347,000 | 21,295,000 | 20,770,000 | 24,297,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,173,000 | 136,056,000 | 136,578,000 | 137,383,000 |
| Interest-bearing deposits | 102,882,000 | 100,580,000 | 101,513,000 | 101,765,000 |
| Noninterest-bearing deposits | 37,291,000 | 35,476,000 | 35,065,000 | 35,618,000 |
| Equity capital | 26,298,000 | 26,872,000 | 27,084,000 | 26,487,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,750,000 | 3,482,000 | 5,200,000 | 6,884,000 |
| Interest expense | 125,000 | 224,000 | 328,000 | 422,000 |
| Net interest income | 1,625,000 | 3,258,000 | 4,872,000 | 6,462,000 |
| Noninterest income | 246,000 | 514,000 | 784,000 | 1,046,000 |
| Noninterest expense | 1,520,000 | 2,903,000 | 4,383,000 | 5,813,000 |
| Provision for loan losses | 30,000 | 60,000 | 75,000 | 90,000 |
| Pretax income | 321,000 | 808,000 | 1,197,000 | 1,604,000 |
| Income tax | 61,000 | 188,000 | 266,000 | 355,000 |
| Net income | 260,000 | 620,000 | 931,000 | 1,249,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,646,000 | 25,885,000 | 26,047,000 | 25,665,000 |
| Total capital | 26,663,000 | 26,849,000 | 27,064,000 | 26,736,000 |
| Risk-weighted assets | 81,121,000 | 76,827,000 | 81,104,000 | 85,513,000 |