Call reports 2015
FIRST NATIONAL BANK OF GRAYSON, THE — 2015
What FIRST NATIONAL BANK OF GRAYSON, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 219,954,000 | 235,261,000 | 239,780,000 | 237,678,000 |
| Total loans | 136,348,000 | 139,777,000 | 141,811,000 | 142,820,000 |
| Allowance for loan losses | 1,780,000 | 1,801,000 | 1,818,000 | 1,625,000 |
| Securities available for sale | 52,458,000 | 66,785,000 | 67,836,000 | 64,787,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,782,000 | 209,809,000 | 213,355,000 | 211,229,000 |
| Interest-bearing deposits | 140,115,000 | 150,354,000 | 153,409,000 | 149,425,000 |
| Noninterest-bearing deposits | 54,667,000 | 59,455,000 | 59,946,000 | 61,804,000 |
| Equity capital | 22,660,000 | 22,975,000 | 23,791,000 | 23,507,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,059,000 | 4,181,000 | 6,364,000 | 8,573,000 |
| Interest expense | 77,000 | 158,000 | 243,000 | 331,000 |
| Net interest income | 1,982,000 | 4,023,000 | 6,121,000 | 8,242,000 |
| Noninterest income | 705,000 | 1,497,000 | 2,430,000 | 3,243,000 |
| Noninterest expense | 1,852,000 | 3,951,000 | 5,852,000 | 7,747,000 |
| Provision for loan losses | 36,000 | 82,000 | 212,000 | 303,000 |
| Pretax income | 799,000 | 1,487,000 | 2,487,000 | 3,435,000 |
| Income tax | 270,000 | 511,000 | 842,000 | 1,127,000 |
| Net income | 529,000 | 976,000 | 1,645,000 | 2,308,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,501,000 | 22,952,000 | 23,626,000 | 23,606,000 |
| Total capital | 24,095,000 | 24,616,000 | 25,307,000 | 25,231,000 |
| Risk-weighted assets | 127,411,000 | 132,993,000 | 134,317,000 | 134,205,000 |