Call reports 2020
COMMERCIAL BANK OF GRAYSON, THE — 2020
What COMMERCIAL BANK OF GRAYSON, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 178,783,000 | 195,495,000 | 198,267,000 | 205,945,000 |
| Total loans | 85,848,000 | 91,449,000 | 92,443,000 | 90,037,000 |
| Allowance for loan losses | 716,000 | 715,000 | 716,000 | 721,000 |
| Securities available for sale | 65,660,000 | 69,108,000 | 72,710,000 | 78,382,000 |
| Securities held to maturity | 6,608,000 | 6,269,000 | 5,481,000 | 4,584,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,542,000 | 166,284,000 | 168,610,000 | 177,117,000 |
| Interest-bearing deposits | 96,170,000 | 103,154,000 | 105,081,000 | 108,523,000 |
| Noninterest-bearing deposits | 55,372,000 | 63,130,000 | 63,529,000 | 68,594,000 |
| Equity capital | 26,376,000 | 27,716,000 | 28,173,000 | 27,635,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,692,000 | 3,397,000 | 5,157,000 | 6,911,000 |
| Interest expense | 91,000 | 181,000 | 277,000 | 367,000 |
| Net interest income | 1,601,000 | 3,216,000 | 4,880,000 | 6,544,000 |
| Noninterest income | 300,000 | 577,000 | 863,000 | 1,142,000 |
| Noninterest expense | 1,624,000 | 3,081,000 | 4,492,000 | 5,881,000 |
| Provision for loan losses | 8,000 | 16,000 | 24,000 | 32,000 |
| Pretax income | 291,000 | 749,000 | 1,296,000 | 1,867,000 |
| Income tax | 72,000 | 143,000 | 215,000 | 305,000 |
| Net income | 219,000 | 606,000 | 1,081,000 | 1,562,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,049,000 | 26,125,000 | 26,600,000 | 26,281,000 |
| Total capital | 26,765,000 | 26,840,000 | 27,316,000 | 27,002,000 |
| Risk-weighted assets | 103,613,000 | 114,126,000 | 115,366,000 | 114,559,000 |