Call reports 2009
FIRST NATIONAL BANK OF GRAYSON, THE — 2009
What FIRST NATIONAL BANK OF GRAYSON, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 202,445,000 | 199,196,000 | 197,932,000 | 196,991,000 |
| Total loans | 109,166,000 | 111,065,000 | 110,792,000 | 111,046,000 |
| Allowance for loan losses | 1,484,000 | 1,497,000 | 1,435,000 | 1,428,000 |
| Securities available for sale | 69,713,000 | 63,428,000 | 66,327,000 | 61,013,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,365,000 | 174,888,000 | 173,149,000 | 173,823,000 |
| Interest-bearing deposits | 145,558,000 | 143,676,000 | 143,957,000 | 143,801,000 |
| Noninterest-bearing deposits | 32,807,000 | 31,212,000 | 29,192,000 | 30,022,000 |
| Equity capital | 16,196,000 | 15,936,000 | 15,864,000 | 16,472,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,676,000 | 5,287,000 | 7,813,000 | 10,314,000 |
| Interest expense | 720,000 | 1,371,000 | 1,967,000 | 2,497,000 |
| Net interest income | 1,956,000 | 3,916,000 | 5,846,000 | 7,817,000 |
| Noninterest income | 861,000 | 1,539,000 | 2,239,000 | 2,929,000 |
| Noninterest expense | 1,455,000 | 3,234,000 | 4,851,000 | 6,421,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 1,302,000 | 2,101,000 | 3,054,000 | 4,085,000 |
| Income tax | 430,000 | 693,000 | 1,012,000 | 1,346,000 |
| Net income | 872,000 | 1,408,000 | 2,042,000 | 2,739,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,604,000 | 15,395,000 | 15,261,000 | 15,960,000 |
| Total capital | 17,043,000 | 16,836,000 | 16,618,000 | 17,314,000 |
| Risk-weighted assets | 115,113,000 | 115,213,000 | 108,508,000 | 108,277,000 |