Call reports 2016
FIRST NATIONAL BANK OF GRAYSON, THE — 2016
What FIRST NATIONAL BANK OF GRAYSON, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 242,368,000 | 242,677,000 | 237,957,000 | 237,029,000 |
| Total loans | 142,255,000 | 146,454,000 | 147,790,000 | 152,467,000 |
| Allowance for loan losses | 1,655,000 | 1,690,000 | 1,743,000 | 1,872,000 |
| Securities available for sale | 69,455,000 | 65,849,000 | 59,767,000 | 58,282,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 215,736,000 | 214,909,000 | 209,509,000 | 208,920,000 |
| Interest-bearing deposits | 151,129,000 | 152,274,000 | 146,042,000 | 145,426,000 |
| Noninterest-bearing deposits | 64,607,000 | 62,635,000 | 63,467,000 | 63,494,000 |
| Equity capital | 24,253,000 | 25,192,000 | 25,737,000 | 23,753,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,161,000 | 4,419,000 | 6,688,000 | 8,997,000 |
| Interest expense | 100,000 | 201,000 | 300,000 | 405,000 |
| Net interest income | 2,061,000 | 4,218,000 | 6,388,000 | 8,592,000 |
| Noninterest income | 773,000 | 1,587,000 | 2,454,000 | 3,286,000 |
| Noninterest expense | 1,828,000 | 3,783,000 | 5,683,000 | 7,637,000 |
| Provision for loan losses | 130,000 | 157,000 | 236,000 | 418,000 |
| Pretax income | 877,000 | 1,867,000 | 2,925,000 | 3,831,000 |
| Income tax | 297,000 | 635,000 | 981,000 | 1,275,000 |
| Net income | 580,000 | 1,232,000 | 1,944,000 | 2,556,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,143,000 | 24,752,000 | 25,421,000 | 23,917,000 |
| Total capital | 25,798,000 | 26,442,000 | 27,105,000 | 25,648,000 |
| Risk-weighted assets | 132,705,000 | 135,451,000 | 134,709,000 | 138,362,000 |