Call reports 2023
COMMERCIAL BANK OF GRAYSON, THE — 2023
What COMMERCIAL BANK OF GRAYSON, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 210,773,000 | 213,099,000 | 213,109,000 | 214,959,000 |
| Total loans | 116,884,000 | 120,696,000 | 125,138,000 | 130,668,000 |
| Allowance for loan losses | 690,000 | 692,000 | 761,000 | 1,553,000 |
| Securities available for sale | 74,716,000 | 72,525,000 | 69,572,000 | 69,640,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,738,000 | 189,077,000 | 188,652,000 | 189,393,000 |
| Interest-bearing deposits | 110,321,000 | 110,106,000 | 110,530,000 | 114,329,000 |
| Noninterest-bearing deposits | 77,417,000 | 78,971,000 | 78,122,000 | 75,064,000 |
| Equity capital | 20,955,000 | 20,110,000 | 19,841,000 | 21,324,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,850,000 | 3,815,000 | 5,912,000 | 8,141,000 |
| Interest expense | 168,000 | 339,000 | 584,000 | 926,000 |
| Net interest income | 1,682,000 | 3,476,000 | 5,328,000 | 7,215,000 |
| Noninterest income | 319,000 | 614,000 | 908,000 | 1,667,000 |
| Noninterest expense | 1,647,000 | 3,252,000 | 4,830,000 | 6,424,000 |
| Provision for loan losses | 30,000 | 60,000 | 151,000 | 1,394,000 |
| Pretax income | 226,000 | 680,000 | 1,156,000 | 965,000 |
| Income tax | 116,000 | 238,000 | 318,000 | 351,000 |
| Net income | 110,000 | 442,000 | 838,000 | 614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,388,000 | 26,321,000 | 26,516,000 | 26,292,000 |
| Total capital | 27,079,000 | 27,013,000 | 27,277,000 | 27,845,000 |
| Risk-weighted assets | 137,750,000 | 141,389,000 | 144,470,000 | 147,231,000 |
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