Call reports 2013
COMMERCIAL BANK OF GRAYSON, THE — 2013
What COMMERCIAL BANK OF GRAYSON, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 167,984,000 | 166,093,000 | 164,668,000 | 162,847,000 |
| Total loans | 63,817,000 | 64,339,000 | 65,309,000 | 64,484,000 |
| Allowance for loan losses | 1,243,000 | 1,227,000 | 1,195,000 | 1,190,000 |
| Securities available for sale | 62,676,000 | 62,570,000 | 59,918,000 | 60,832,000 |
| Securities held to maturity | 23,570,000 | 23,375,000 | 23,057,000 | 23,099,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,493,000 | 136,648,000 | 136,570,000 | 136,016,000 |
| Interest-bearing deposits | 102,278,000 | 100,071,000 | 100,817,000 | 100,487,000 |
| Noninterest-bearing deposits | 36,215,000 | 36,577,000 | 35,753,000 | 35,529,000 |
| Equity capital | 26,329,000 | 26,291,000 | 26,111,000 | 25,809,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,467,000 | 2,925,000 | 4,368,000 | 5,807,000 |
| Interest expense | 55,000 | 110,000 | 153,000 | 193,000 |
| Net interest income | 1,412,000 | 2,815,000 | 4,215,000 | 5,614,000 |
| Noninterest income | 247,000 | 497,000 | 750,000 | 1,012,000 |
| Noninterest expense | 1,454,000 | 2,851,000 | 4,238,000 | 5,716,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 225,000 | 481,000 | 794,000 | 1,020,000 |
| Income tax | 37,000 | 76,000 | 141,000 | 176,000 |
| Net income | 188,000 | 405,000 | 653,000 | 844,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,571,000 | 25,789,000 | 26,037,000 | 25,578,000 |
| Total capital | 26,657,000 | 26,882,000 | 27,137,000 | 26,682,000 |
| Risk-weighted assets | 86,698,000 | 87,306,000 | 87,882,000 | 88,207,000 |
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