Call reports 2012
COMMERCIAL BANK OF GRAYSON, THE — 2012
What COMMERCIAL BANK OF GRAYSON, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 167,592,000 | 167,447,000 | 166,121,000 | 164,098,000 |
| Total loans | 66,917,000 | 66,403,000 | 65,714,000 | 65,002,000 |
| Allowance for loan losses | 1,235,000 | 1,208,000 | 1,206,000 | 1,232,000 |
| Securities available for sale | 60,604,000 | 62,583,000 | 60,987,000 | 62,006,000 |
| Securities held to maturity | 25,369,000 | 24,646,000 | 24,245,000 | 23,510,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,677,000 | 137,310,000 | 135,616,000 | 134,297,000 |
| Interest-bearing deposits | 103,952,000 | 102,292,000 | 101,733,000 | 101,882,000 |
| Noninterest-bearing deposits | 35,725,000 | 35,018,000 | 33,883,000 | 32,415,000 |
| Equity capital | 26,580,000 | 26,762,000 | 26,998,000 | 26,493,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,706,000 | 3,296,000 | 4,867,000 | 6,427,000 |
| Interest expense | 75,000 | 141,000 | 204,000 | 266,000 |
| Net interest income | 1,631,000 | 3,155,000 | 4,663,000 | 6,161,000 |
| Noninterest income | 255,000 | 499,000 | 744,000 | 981,000 |
| Noninterest expense | 1,498,000 | 2,957,000 | 4,380,000 | 5,800,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 393,000 | 693,000 | 1,024,000 | 1,334,000 |
| Income tax | 111,000 | 137,000 | 203,000 | 267,000 |
| Net income | 282,000 | 556,000 | 821,000 | 1,067,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,788,000 | 25,927,000 | 26,036,000 | 25,584,000 |
| Total capital | 26,886,000 | 27,056,000 | 27,140,000 | 26,683,000 |
| Risk-weighted assets | 87,682,000 | 90,267,000 | 88,252,000 | 87,759,000 |