Call reports 2010
FIRST NATIONAL BANK OF GRAYSON, THE — 2010
What FIRST NATIONAL BANK OF GRAYSON, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 202,669,000 | 201,438,000 | 204,560,000 | 208,443,000 |
| Total loans | 110,087,000 | 111,047,000 | 112,571,000 | 111,784,000 |
| Allowance for loan losses | 1,480,000 | 1,528,000 | 1,489,000 | 1,475,000 |
| Securities available for sale | 66,916,000 | 61,796,000 | 63,774,000 | 67,522,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,603,000 | 178,185,000 | 180,640,000 | 184,073,000 |
| Interest-bearing deposits | 146,954,000 | 146,850,000 | 148,449,000 | 151,093,000 |
| Noninterest-bearing deposits | 32,649,000 | 31,335,000 | 32,191,000 | 32,980,000 |
| Equity capital | 16,340,000 | 17,134,000 | 17,752,000 | 17,718,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,365,000 | 4,721,000 | 7,103,000 | 9,424,000 |
| Interest expense | 554,000 | 1,003,000 | 1,445,000 | 1,865,000 |
| Net interest income | 1,811,000 | 3,718,000 | 5,658,000 | 7,559,000 |
| Noninterest income | 617,000 | 1,315,000 | 2,131,000 | 2,845,000 |
| Noninterest expense | 1,564,000 | 3,165,000 | 4,768,000 | 6,403,000 |
| Provision for loan losses | 60,000 | 270,000 | 326,000 | 346,000 |
| Pretax income | 804,000 | 1,598,000 | 2,695,000 | 3,655,000 |
| Income tax | 265,000 | 522,000 | 893,000 | 1,193,000 |
| Net income | 539,000 | 1,076,000 | 1,802,000 | 2,462,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,903,000 | 16,443,000 | 17,175,000 | 17,318,000 |
| Total capital | 17,243,000 | 17,788,000 | 18,530,000 | 18,690,000 |
| Risk-weighted assets | 107,061,000 | 107,437,000 | 108,269,000 | 109,670,000 |