Call reports 2025
COMMERCIAL BANK OF GRAYSON, THE — 2025
What COMMERCIAL BANK OF GRAYSON, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 237,248,000 | 240,093,000 | 240,831,000 | 244,877,000 |
| Total loans | 145,483,000 | 145,469,000 | 147,846,000 | 149,166,000 |
| Allowance for loan losses | 2,018,000 | 2,089,000 | 2,096,000 | 2,151,000 |
| Securities available for sale | 68,042,000 | 73,720,000 | 74,387,000 | 76,207,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,015,000 | 214,335,000 | 213,957,000 | 217,012,000 |
| Interest-bearing deposits | 132,107,000 | 135,129,000 | 135,193,000 | 137,379,000 |
| Noninterest-bearing deposits | 79,908,000 | 79,206,000 | 78,764,000 | 79,633,000 |
| Equity capital | 24,316,000 | 24,868,000 | 25,900,000 | 26,055,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,634,000 | 5,412,000 | 8,289,000 | 11,290,000 |
| Interest expense | 537,000 | 1,085,000 | 1,647,000 | 2,202,000 |
| Net interest income | 2,097,000 | 4,327,000 | 6,642,000 | 9,088,000 |
| Noninterest income | 341,000 | 746,000 | 1,117,000 | 1,479,000 |
| Noninterest expense | 1,869,000 | 3,608,000 | 5,376,000 | 7,155,000 |
| Provision for loan losses | 62,000 | 125,000 | 187,000 | 250,000 |
| Pretax income | 507,000 | 1,340,000 | 2,196,000 | 3,162,000 |
| Income tax | 130,000 | 294,000 | 440,000 | 728,000 |
| Net income | 377,000 | 1,046,000 | 1,756,000 | 2,434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,400,000 | 27,669,000 | 27,980,000 | 27,907,000 |
| Total capital | 29,286,000 | 29,519,000 | 29,839,000 | 29,770,000 |
| Risk-weighted assets | 150,754,000 | 147,780,000 | 148,489,000 | 148,788,000 |