Call reports 2022
COMMERCIAL BANK OF GRAYSON, THE — 2022
What COMMERCIAL BANK OF GRAYSON, THE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 224,341,000 | 219,196,000 | 218,629,000 | 212,590,000 |
| Total loans | 99,338,000 | 106,363,000 | 111,861,000 | 115,201,000 |
| Allowance for loan losses | 677,000 | 671,000 | 626,000 | 625,000 |
| Securities available for sale | 95,211,000 | 89,224,000 | 84,309,000 | 78,966,000 |
| Securities held to maturity | 85,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,466,000 | 198,145,000 | 197,994,000 | 189,289,000 |
| Interest-bearing deposits | 125,566,000 | 120,835,000 | 120,658,000 | 113,968,000 |
| Noninterest-bearing deposits | 74,900,000 | 77,310,000 | 77,336,000 | 75,321,000 |
| Equity capital | 23,216,000 | 20,454,000 | 20,052,000 | 20,398,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,655,000 | 3,369,000 | 5,225,000 | 7,155,000 |
| Interest expense | 63,000 | 123,000 | 192,000 | 283,000 |
| Net interest income | 1,592,000 | 3,246,000 | 5,033,000 | 6,872,000 |
| Noninterest income | 304,000 | 634,000 | 968,000 | 1,287,000 |
| Noninterest expense | 1,559,000 | 3,033,000 | 4,479,000 | 5,951,000 |
| Provision for loan losses | 12,000 | 24,000 | 56,000 | 68,000 |
| Pretax income | 325,000 | 823,000 | 1,462,000 | 2,109,000 |
| Income tax | 92,000 | 190,000 | 287,000 | 451,000 |
| Net income | 233,000 | 633,000 | 1,175,000 | 1,658,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,336,000 | 26,434,000 | 26,577,000 | 26,658,000 |
| Total capital | 27,013,000 | 27,105,000 | 27,203,000 | 27,283,000 |
| Risk-weighted assets | 129,852,000 | 136,739,000 | 139,986,000 | 137,791,000 |