Call reports 2007
FIRST NATIONAL BANK OF GRAYSON, THE — 2007
What FIRST NATIONAL BANK OF GRAYSON, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 180,573,000 | 180,009,000 | 182,070,000 | 182,494,000 |
| Total loans | 105,861,000 | 108,744,000 | 109,148,000 | 109,295,000 |
| Allowance for loan losses | 1,305,000 | 1,357,000 | 1,351,000 | 1,280,000 |
| Securities available for sale | 50,520,000 | 47,783,000 | 49,094,000 | 47,819,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,819,000 | 157,793,000 | 159,626,000 | 159,576,000 |
| Interest-bearing deposits | 128,154,000 | 125,974,000 | 128,584,000 | 127,842,000 |
| Noninterest-bearing deposits | 31,665,000 | 31,819,000 | 31,042,000 | 31,734,000 |
| Equity capital | 13,126,000 | 13,678,000 | 14,709,000 | 12,899,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,019,000 | 6,132,000 | 9,314,000 | 12,459,000 |
| Interest expense | 1,170,000 | 2,332,000 | 3,518,000 | 4,675,000 |
| Net interest income | 1,849,000 | 3,800,000 | 5,796,000 | 7,784,000 |
| Noninterest income | 511,000 | 1,121,000 | 1,758,000 | 2,352,000 |
| Noninterest expense | 1,441,000 | 2,777,000 | 4,121,000 | 5,510,000 |
| Provision for loan losses | 58,000 | 118,000 | 178,000 | 238,000 |
| Pretax income | 861,000 | 2,026,000 | 3,255,000 | 4,401,000 |
| Income tax | 289,000 | 682,000 | 1,083,000 | 1,483,000 |
| Net income | 572,000 | 1,344,000 | 2,172,000 | 2,918,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,134,000 | 13,857,000 | 14,636,000 | 12,675,000 |
| Total capital | 14,438,000 | 15,193,000 | 15,984,000 | 13,955,000 |
| Risk-weighted assets | 104,327,000 | 106,852,000 | 107,828,000 | 108,060,000 |