Call reports 2014
FIRST NATIONAL BANK OF GRAYSON, THE — 2014
What FIRST NATIONAL BANK OF GRAYSON, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 215,219,000 | 211,245,000 | 211,292,000 | 215,532,000 |
| Total loans | 131,489,000 | 133,372,000 | 134,945,000 | 136,875,000 |
| Allowance for loan losses | 1,685,000 | 1,756,000 | 1,762,000 | 1,754,000 |
| Securities available for sale | 53,394,000 | 51,763,000 | 48,948,000 | 51,255,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,986,000 | 186,626,000 | 185,871,000 | 189,901,000 |
| Interest-bearing deposits | 139,156,000 | 136,229,000 | 135,963,000 | 137,197,000 |
| Noninterest-bearing deposits | 51,830,000 | 50,397,000 | 49,908,000 | 52,704,000 |
| Equity capital | 21,350,000 | 21,866,000 | 22,425,000 | 22,051,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,985,000 | 4,036,000 | 6,119,000 | 8,208,000 |
| Interest expense | 86,000 | 169,000 | 250,000 | 330,000 |
| Net interest income | 1,899,000 | 3,867,000 | 5,869,000 | 7,878,000 |
| Noninterest income | 688,000 | 1,450,000 | 2,216,000 | 2,960,000 |
| Noninterest expense | 1,584,000 | 3,535,000 | 5,290,000 | 7,205,000 |
| Provision for loan losses | 40,000 | 134,000 | 177,000 | 200,000 |
| Pretax income | 963,000 | 1,648,000 | 2,618,000 | 3,433,000 |
| Income tax | 324,000 | 555,000 | 881,000 | 1,144,000 |
| Net income | 639,000 | 1,093,000 | 1,737,000 | 2,289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,422,000 | 21,828,000 | 22,426,000 | 22,000,000 |
| Total capital | 23,003,000 | 23,397,000 | 24,003,000 | 23,594,000 |
| Risk-weighted assets | 126,399,000 | 125,335,000 | 125,967,000 | 127,366,000 |