Call reports 2002
FIRST NATIONAL BANK OF GRAYSON, THE — 2002
What FIRST NATIONAL BANK OF GRAYSON, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 148,682,000 | 133,901,000 | 134,807,000 | 139,325,000 |
| Total loans | 80,160,000 | 84,947,000 | 87,639,000 | 89,501,000 |
| Allowance for loan losses | 992,000 | 999,000 | 1,028,000 | 1,007,000 |
| Securities available for sale | 26,659,000 | 29,428,000 | 18,071,000 | 22,730,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,437,000 | 120,685,000 | 121,039,000 | 125,364,000 |
| Interest-bearing deposits | 113,176,000 | 99,164,000 | 98,863,000 | 103,688,000 |
| Noninterest-bearing deposits | 22,261,000 | 21,521,000 | 22,176,000 | 21,676,000 |
| Equity capital | 9,925,000 | 10,499,000 | 10,825,000 | 9,754,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,312,000 | 4,663,000 | 6,872,000 | 9,046,000 |
| Interest expense | 820,000 | 1,598,000 | 2,305,000 | 2,947,000 |
| Net interest income | 1,492,000 | 3,065,000 | 4,567,000 | 6,099,000 |
| Noninterest income | 222,000 | 442,000 | 735,000 | 942,000 |
| Noninterest expense | 1,084,000 | 2,246,000 | 3,411,000 | 4,532,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 570,000 | 1,151,000 | 1,747,000 | 2,321,000 |
| Income tax | 189,000 | 390,000 | 590,000 | 770,000 |
| Net income | 381,000 | 761,000 | 1,157,000 | 1,551,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,963,000 | 10,294,000 | 10,643,000 | 9,581,000 |
| Total capital | 10,955,000 | 11,281,000 | 11,645,000 | 10,588,000 |
| Risk-weighted assets | 89,516,000 | 78,963,000 | 80,116,000 | 81,506,000 |