Call reports 2013
FIRST NATIONAL BANK OF GRAYSON, THE — 2013
What FIRST NATIONAL BANK OF GRAYSON, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 224,116,000 | 214,913,000 | 209,373,000 | 204,750,000 |
| Total loans | 124,025,000 | 125,424,000 | 126,516,000 | 127,852,000 |
| Allowance for loan losses | 1,575,000 | 1,595,000 | 1,593,000 | 1,668,000 |
| Securities available for sale | 74,797,000 | 64,749,000 | 58,526,000 | 53,044,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,560,000 | 190,414,000 | 184,045,000 | 178,212,000 |
| Interest-bearing deposits | 152,828,000 | 144,318,000 | 139,545,000 | 134,811,000 |
| Noninterest-bearing deposits | 46,732,000 | 46,096,000 | 44,500,000 | 43,401,000 |
| Equity capital | 21,605,000 | 21,717,000 | 22,436,000 | 20,801,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,050,000 | 4,033,000 | 6,021,000 | 8,006,000 |
| Interest expense | 119,000 | 226,000 | 318,000 | 415,000 |
| Net interest income | 1,931,000 | 3,807,000 | 5,703,000 | 7,591,000 |
| Noninterest income | 757,000 | 1,517,000 | 2,364,000 | 3,099,000 |
| Noninterest expense | 1,657,000 | 3,351,000 | 4,940,000 | 6,588,000 |
| Provision for loan losses | 90,000 | 164,000 | 224,000 | 349,000 |
| Pretax income | 941,000 | 1,809,000 | 2,903,000 | 3,753,000 |
| Income tax | 328,000 | 631,000 | 1,009,000 | 1,298,000 |
| Net income | 613,000 | 1,178,000 | 1,894,000 | 2,455,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,167,000 | 21,690,000 | 22,356,000 | 20,831,000 |
| Total capital | 22,706,000 | 23,201,000 | 23,866,000 | 22,367,000 |
| Risk-weighted assets | 123,082,000 | 120,820,000 | 120,690,000 | 122,724,000 |