Call reports 2004
FIRST NATIONAL BANK OF GRAYSON, THE — 2004
What FIRST NATIONAL BANK OF GRAYSON, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 149,327,000 | 148,598,000 | 157,293,000 | 159,311,000 |
| Total loans | 94,198,000 | 96,895,000 | 99,028,000 | 99,203,000 |
| Allowance for loan losses | 1,149,000 | 1,196,000 | 1,193,000 | 1,173,000 |
| Securities available for sale | 30,100,000 | 32,169,000 | 34,357,000 | 35,221,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,256,000 | 134,671,000 | 143,875,000 | 145,551,000 |
| Interest-bearing deposits | 111,042,000 | 109,084,000 | 116,396,000 | 119,318,000 |
| Noninterest-bearing deposits | 25,214,000 | 25,587,000 | 27,479,000 | 26,233,000 |
| Equity capital | 10,722,000 | 10,696,000 | 11,328,000 | 11,152,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,037,000 | 4,091,000 | 6,210,000 | 8,365,000 |
| Interest expense | 460,000 | 907,000 | 1,395,000 | 1,935,000 |
| Net interest income | 1,577,000 | 3,184,000 | 4,815,000 | 6,430,000 |
| Noninterest income | 313,000 | 677,000 | 1,127,000 | 1,648,000 |
| Noninterest expense | 1,188,000 | 2,468,000 | 3,688,000 | 4,907,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 643,000 | 1,274,000 | 2,075,000 | 2,932,000 |
| Income tax | 216,000 | 443,000 | 690,000 | 989,000 |
| Net income | 427,000 | 831,000 | 1,385,000 | 1,943,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,715,000 | 11,072,000 | 11,579,000 | 11,490,000 |
| Total capital | 11,800,000 | 12,187,000 | 12,719,000 | 12,649,000 |
| Risk-weighted assets | 86,743,000 | 89,119,000 | 91,502,000 | 92,667,000 |