Call reports 2003
FIRST NATIONAL BANK OF GRAYSON, THE — 2003
What FIRST NATIONAL BANK OF GRAYSON, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 139,956,000 | 140,027,000 | 142,395,000 | 146,867,000 |
| Total loans | 90,165,000 | 90,357,000 | 91,158,000 | 91,823,000 |
| Allowance for loan losses | 1,043,000 | 1,083,000 | 1,101,000 | 1,117,000 |
| Securities available for sale | 24,587,000 | 21,547,000 | 26,863,000 | 29,743,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,559,000 | 127,049,000 | 129,591,000 | 133,874,000 |
| Interest-bearing deposits | 103,308,000 | 102,522,000 | 104,003,000 | 107,846,000 |
| Noninterest-bearing deposits | 24,251,000 | 24,527,000 | 25,588,000 | 26,028,000 |
| Equity capital | 10,072,000 | 10,483,000 | 10,722,000 | 10,262,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,125,000 | 4,216,000 | 6,281,000 | 8,308,000 |
| Interest expense | 571,000 | 1,082,000 | 1,561,000 | 2,039,000 |
| Net interest income | 1,554,000 | 3,134,000 | 4,720,000 | 6,269,000 |
| Noninterest income | 258,000 | 537,000 | 825,000 | 1,100,000 |
| Noninterest expense | 1,209,000 | 2,375,000 | 3,546,000 | 4,751,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 571,000 | 1,211,000 | 1,859,000 | 2,421,000 |
| Income tax | 190,000 | 399,000 | 617,000 | 809,000 |
| Net income | 381,000 | 812,000 | 1,242,000 | 1,612,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,962,000 | 10,345,000 | 10,727,000 | 10,288,000 |
| Total capital | 10,987,000 | 11,374,000 | 11,769,000 | 11,344,000 |
| Risk-weighted assets | 81,950,000 | 82,256,000 | 83,320,000 | 84,454,000 |