Call reports 2019
COMMERCIAL BANK OF GRAYSON, THE — 2019
What COMMERCIAL BANK OF GRAYSON, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 178,562,000 | 180,699,000 | 180,409,000 | 178,804,000 |
| Total loans | 80,712,000 | 81,112,000 | 83,878,000 | 86,487,000 |
| Allowance for loan losses | 838,000 | 777,000 | 773,000 | 748,000 |
| Securities available for sale | 64,673,000 | 69,713,000 | 67,980,000 | 66,678,000 |
| Securities held to maturity | 12,402,000 | 10,650,000 | 8,558,000 | 7,598,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,697,000 | 151,506,000 | 152,645,000 | 151,388,000 |
| Interest-bearing deposits | 98,560,000 | 97,909,000 | 96,494,000 | 97,139,000 |
| Noninterest-bearing deposits | 54,137,000 | 53,597,000 | 56,151,000 | 54,249,000 |
| Equity capital | 25,222,000 | 26,326,000 | 26,781,000 | 26,492,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,682,000 | 3,384,000 | 5,104,000 | 6,854,000 |
| Interest expense | 90,000 | 180,000 | 277,000 | 369,000 |
| Net interest income | 1,592,000 | 3,204,000 | 4,827,000 | 6,485,000 |
| Noninterest income | 303,000 | 610,000 | 918,000 | 1,208,000 |
| Noninterest expense | 1,584,000 | 3,032,000 | 4,417,000 | 5,889,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 289,000 | 755,000 | 1,333,000 | 1,801,000 |
| Income tax | 72,000 | 143,000 | 215,000 | 269,000 |
| Net income | 217,000 | 612,000 | 1,118,000 | 1,532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,845,000 | 26,040,000 | 26,545,000 | 26,140,000 |
| Total capital | 26,683,000 | 26,817,000 | 27,318,000 | 26,888,000 |
| Risk-weighted assets | 101,140,000 | 102,375,000 | 104,358,000 | 105,196,000 |