Call reports 2016
COMMERCIAL BANK OF GRAYSON, THE — 2016
What COMMERCIAL BANK OF GRAYSON, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 178,468,000 | 178,092,000 | 176,482,000 | 173,353,000 |
| Total loans | 71,254,000 | 70,988,000 | 70,540,000 | 71,663,000 |
| Allowance for loan losses | 1,061,000 | 1,049,000 | 1,038,000 | 984,000 |
| Securities available for sale | 63,960,000 | 65,205,000 | 66,354,000 | 63,140,000 |
| Securities held to maturity | 26,008,000 | 24,674,000 | 24,352,000 | 24,076,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,236,000 | 150,194,000 | 148,166,000 | 147,616,000 |
| Interest-bearing deposits | 99,518,000 | 98,852,000 | 97,307,000 | 97,230,000 |
| Noninterest-bearing deposits | 51,718,000 | 51,342,000 | 50,859,000 | 50,386,000 |
| Equity capital | 26,087,000 | 26,589,000 | 26,663,000 | 25,153,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,526,000 | 3,030,000 | 4,553,000 | 6,082,000 |
| Interest expense | 32,000 | 65,000 | 100,000 | 133,000 |
| Net interest income | 1,494,000 | 2,965,000 | 4,453,000 | 5,949,000 |
| Noninterest income | 276,000 | 566,000 | 850,000 | 1,114,000 |
| Noninterest expense | 1,436,000 | 2,820,000 | 4,229,000 | 5,649,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 308,000 | 749,000 | 1,140,000 | 1,519,000 |
| Income tax | 56,000 | 136,000 | 214,000 | 269,000 |
| Net income | 252,000 | 613,000 | 926,000 | 1,250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,601,000 | 25,812,000 | 25,975,000 | 25,579,000 |
| Total capital | 26,662,000 | 26,861,000 | 27,013,000 | 26,563,000 |
| Risk-weighted assets | 97,410,000 | 97,391,000 | 95,983,000 | 97,179,000 |
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