Call reports 2005
FIRST NATIONAL BANK OF GRAYSON, THE — 2005
What FIRST NATIONAL BANK OF GRAYSON, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 160,697,000 | 163,260,000 | 164,180,000 | 183,285,000 |
| Total loans | 98,627,000 | 102,436,000 | 103,003,000 | 101,992,000 |
| Allowance for loan losses | 1,235,000 | 1,283,000 | 1,326,000 | 1,325,000 |
| Securities available for sale | 39,013,000 | 39,260,000 | 38,976,000 | 56,122,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,219,000 | 145,298,000 | 147,301,000 | 163,746,000 |
| Interest-bearing deposits | 119,546,000 | 117,426,000 | 119,733,000 | 135,272,000 |
| Noninterest-bearing deposits | 27,673,000 | 27,872,000 | 27,568,000 | 28,474,000 |
| Equity capital | 11,339,000 | 11,952,000 | 12,347,000 | 12,833,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,167,000 | 4,421,000 | 6,749,000 | 9,280,000 |
| Interest expense | 578,000 | 1,193,000 | 1,887,000 | 2,818,000 |
| Net interest income | 1,589,000 | 3,228,000 | 4,862,000 | 6,462,000 |
| Noninterest income | 415,000 | 863,000 | 1,339,000 | 1,831,000 |
| Noninterest expense | 1,276,000 | 2,531,000 | 3,803,000 | 5,085,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 275,000 |
| Pretax income | 653,000 | 1,410,000 | 2,173,000 | 2,933,000 |
| Income tax | 222,000 | 479,000 | 742,000 | 997,000 |
| Net income | 431,000 | 931,000 | 1,431,000 | 1,936,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,874,000 | 12,325,000 | 12,777,000 | 13,261,000 |
| Total capital | 13,040,000 | 13,531,000 | 13,987,000 | 14,507,000 |
| Risk-weighted assets | 93,175,000 | 96,420,000 | 96,695,000 | 99,614,000 |