Call reports 2006
FIRST NATIONAL BANK OF GRAYSON, THE — 2006
What FIRST NATIONAL BANK OF GRAYSON, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 192,117,000 | 187,697,000 | 182,606,000 | 178,836,000 |
| Total loans | 103,188,000 | 104,347,000 | 106,428,000 | 107,371,000 |
| Allowance for loan losses | 1,350,000 | 1,311,000 | 1,291,000 | 1,277,000 |
| Securities available for sale | 65,830,000 | 60,360,000 | 53,220,000 | 49,197,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,448,000 | 166,429,000 | 160,287,000 | 156,194,000 |
| Interest-bearing deposits | 142,063,000 | 137,702,000 | 133,267,000 | 128,811,000 |
| Noninterest-bearing deposits | 29,386,000 | 28,727,000 | 27,020,000 | 27,383,000 |
| Equity capital | 13,308,000 | 13,729,000 | 14,651,000 | 12,510,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,764,000 | 5,632,000 | 8,577,000 | 11,538,000 |
| Interest expense | 1,122,000 | 2,309,000 | 3,504,000 | 4,717,000 |
| Net interest income | 1,642,000 | 3,323,000 | 5,073,000 | 6,821,000 |
| Noninterest income | 487,000 | 1,005,000 | 1,572,000 | 2,123,000 |
| Noninterest expense | 1,296,000 | 2,563,000 | 3,840,000 | 5,134,000 |
| Provision for loan losses | 40,000 | 70,000 | 272,000 | 317,000 |
| Pretax income | 793,000 | 1,695,000 | 2,533,000 | 3,493,000 |
| Income tax | 270,000 | 575,000 | 856,000 | 1,180,000 |
| Net income | 523,000 | 1,120,000 | 1,677,000 | 2,313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,736,000 | 14,284,000 | 14,793,000 | 12,610,000 |
| Total capital | 15,010,000 | 15,562,000 | 16,071,000 | 13,887,000 |
| Risk-weighted assets | 101,814,000 | 102,210,000 | 102,235,000 | 103,555,000 |