Call reports 2018
COMMERCIAL BANK OF GRAYSON, THE — 2018
What COMMERCIAL BANK OF GRAYSON, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 174,565,000 | 176,261,000 | 178,317,000 | 176,009,000 |
| Total loans | 73,734,000 | 77,620,000 | 79,028,000 | 79,829,000 |
| Allowance for loan losses | 877,000 | 867,000 | 866,000 | 857,000 |
| Securities available for sale | 66,743,000 | 63,967,000 | 65,207,000 | 65,368,000 |
| Securities held to maturity | 19,664,000 | 17,872,000 | 14,909,000 | 13,997,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,854,000 | 151,513,000 | 153,349,000 | 149,160,000 |
| Interest-bearing deposits | 99,195,000 | 98,090,000 | 98,884,000 | 97,794,000 |
| Noninterest-bearing deposits | 50,659,000 | 53,423,000 | 54,465,000 | 51,366,000 |
| Equity capital | 24,125,000 | 24,352,000 | 24,307,000 | 24,542,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,549,000 | 3,181,000 | 4,846,000 | 6,579,000 |
| Interest expense | 59,000 | 121,000 | 182,000 | 268,000 |
| Net interest income | 1,490,000 | 3,060,000 | 4,664,000 | 6,311,000 |
| Noninterest income | 301,000 | 610,000 | 925,000 | 1,216,000 |
| Noninterest expense | 1,441,000 | 2,741,000 | 4,305,000 | 5,766,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 265,000 | 809,000 | 1,153,000 | 1,630,000 |
| Income tax | 70,000 | 166,000 | 261,000 | 237,000 |
| Net income | 195,000 | 643,000 | 892,000 | 1,393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,645,000 | 25,923,000 | 26,021,000 | 25,868,000 |
| Total capital | 26,522,000 | 26,790,000 | 26,887,000 | 26,725,000 |
| Risk-weighted assets | 98,221,000 | 100,171,000 | 101,381,000 | 101,408,000 |