Call reports 2008
FIRST NATIONAL BANK OF GRAYSON, THE — 2008
What FIRST NATIONAL BANK OF GRAYSON, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 186,665,000 | 187,591,000 | 183,630,000 | 198,732,000 |
| Total loans | 107,406,000 | 107,503,000 | 108,845,000 | 109,366,000 |
| Allowance for loan losses | 1,343,000 | 1,385,000 | 1,423,000 | 1,439,000 |
| Securities available for sale | 49,536,000 | 55,292,000 | 51,554,000 | 64,894,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,127,000 | 166,171,000 | 161,245,000 | 174,827,000 |
| Interest-bearing deposits | 131,597,000 | 132,179,000 | 128,106,000 | 144,719,000 |
| Noninterest-bearing deposits | 33,530,000 | 33,992,000 | 33,139,000 | 30,108,000 |
| Equity capital | 13,838,000 | 14,048,000 | 14,684,000 | 13,911,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,041,000 | 5,925,000 | 8,818,000 | 11,681,000 |
| Interest expense | 1,040,000 | 1,988,000 | 2,851,000 | 3,679,000 |
| Net interest income | 2,001,000 | 3,937,000 | 5,967,000 | 8,002,000 |
| Noninterest income | 601,000 | 1,215,000 | 1,848,000 | 2,468,000 |
| Noninterest expense | 1,327,000 | 2,876,000 | 4,281,000 | 5,780,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 1,291,000 | 2,232,000 | 3,430,000 | 4,532,000 |
| Income tax | 431,000 | 744,000 | 1,126,000 | 1,505,000 |
| Net income | 860,000 | 1,488,000 | 2,304,000 | 3,027,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,485,000 | 14,067,000 | 14,835,000 | 13,269,000 |
| Total capital | 14,828,000 | 15,448,000 | 16,213,000 | 14,702,000 |
| Risk-weighted assets | 110,412,000 | 110,487,000 | 110,735,000 | 114,663,000 |