Call reports 2021
COMMERCIAL BANK OF GRAYSON, THE — 2021
What COMMERCIAL BANK OF GRAYSON, THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 213,591,000 | 221,207,000 | 219,880,000 | 220,307,000 |
| Total loans | 90,660,000 | 95,581,000 | 98,719,000 | 99,242,000 |
| Allowance for loan losses | 704,000 | 700,000 | 687,000 | 690,000 |
| Securities available for sale | 92,313,000 | 96,114,000 | 99,733,000 | 100,739,000 |
| Securities held to maturity | 3,993,000 | 3,083,000 | 1,656,000 | 715,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,814,000 | 193,261,000 | 191,617,000 | 193,563,000 |
| Interest-bearing deposits | 113,537,000 | 117,920,000 | 118,432,000 | 120,721,000 |
| Noninterest-bearing deposits | 72,277,000 | 75,341,000 | 73,185,000 | 72,842,000 |
| Equity capital | 26,582,000 | 26,704,000 | 26,891,000 | 26,045,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,551,000 | 3,230,000 | 4,922,000 | 6,719,000 |
| Interest expense | 76,000 | 149,000 | 218,000 | 294,000 |
| Net interest income | 1,475,000 | 3,081,000 | 4,704,000 | 6,425,000 |
| Noninterest income | 308,000 | 636,000 | 954,000 | 1,281,000 |
| Noninterest expense | 1,489,000 | 2,901,000 | 4,288,000 | 5,666,000 |
| Provision for loan losses | 8,000 | 16,000 | 24,000 | 32,000 |
| Pretax income | 292,000 | 806,000 | 1,360,000 | 2,031,000 |
| Income tax | 72,000 | 143,000 | 215,000 | 411,000 |
| Net income | 220,000 | 663,000 | 1,145,000 | 1,620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,101,000 | 26,144,000 | 26,225,000 | 26,301,000 |
| Total capital | 26,805,000 | 26,844,000 | 26,912,000 | 26,991,000 |
| Risk-weighted assets | 113,898,000 | 116,646,000 | 119,321,000 | 123,853,000 |
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