Call reports 2012
FIRST NATIONAL BANK OF GRAYSON, THE — 2012
What FIRST NATIONAL BANK OF GRAYSON, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 228,873,000 | 235,536,000 | 235,096,000 | 223,614,000 |
| Total loans | 113,694,000 | 116,540,000 | 122,856,000 | 124,381,000 |
| Allowance for loan losses | 1,474,000 | 1,503,000 | 1,537,000 | 1,534,000 |
| Securities available for sale | 81,498,000 | 77,630,000 | 78,806,000 | 75,280,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,227,000 | 212,357,000 | 210,985,000 | 199,112,000 |
| Interest-bearing deposits | 165,414,000 | 173,760,000 | 172,150,000 | 160,891,000 |
| Noninterest-bearing deposits | 40,813,000 | 38,597,000 | 38,835,000 | 38,221,000 |
| Equity capital | 19,602,000 | 20,310,000 | 21,102,000 | 21,108,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,182,000 | 4,330,000 | 6,450,000 | 8,585,000 |
| Interest expense | 196,000 | 377,000 | 540,000 | 686,000 |
| Net interest income | 1,986,000 | 3,953,000 | 5,910,000 | 7,899,000 |
| Noninterest income | 780,000 | 1,725,000 | 2,619,000 | 3,461,000 |
| Noninterest expense | 1,623,000 | 3,323,000 | 5,016,000 | 6,750,000 |
| Provision for loan losses | 63,000 | 116,000 | 205,000 | 265,000 |
| Pretax income | 1,080,000 | 2,239,000 | 3,308,000 | 4,345,000 |
| Income tax | 357,000 | 745,000 | 1,113,000 | 1,384,000 |
| Net income | 723,000 | 1,494,000 | 2,195,000 | 2,961,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,154,000 | 19,881,000 | 20,538,000 | 20,599,000 |
| Total capital | 20,623,000 | 21,384,000 | 22,075,000 | 22,133,000 |
| Risk-weighted assets | 117,545,000 | 120,449,000 | 124,776,000 | 124,268,000 |