Call reports 2025
FIRST NATIONAL BANK OF GRAYSON, THE — 2025
What FIRST NATIONAL BANK OF GRAYSON, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 368,993,000 | 360,780,000 | 361,143,000 | 362,599,000 |
| Total loans | 215,700,000 | 218,613,000 | 221,531,000 | 226,782,000 |
| Allowance for loan losses | 2,466,000 | 2,510,000 | 2,537,000 | 2,638,000 |
| Securities available for sale | 98,431,000 | 92,612,000 | 85,744,000 | 84,293,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 328,128,000 | 318,169,000 | 316,529,000 | 315,961,000 |
| Interest-bearing deposits | 204,622,000 | 197,168,000 | 195,059,000 | 195,474,000 |
| Noninterest-bearing deposits | 123,506,000 | 121,001,000 | 121,470,000 | 120,487,000 |
| Equity capital | 38,460,000 | 40,420,000 | 42,744,000 | 41,739,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,666,000 | 9,458,000 | 14,339,000 | 19,203,000 |
| Interest expense | 996,000 | 1,943,000 | 2,820,000 | 3,592,000 |
| Net interest income | 3,670,000 | 7,515,000 | 11,519,000 | 15,611,000 |
| Noninterest income | 768,000 | 1,555,000 | 2,383,000 | 3,176,000 |
| Noninterest expense | 2,400,000 | 5,002,000 | 7,393,000 | 9,851,000 |
| Provision for loan losses | 101,000 | 153,000 | 224,000 | 320,000 |
| Pretax income | 1,937,000 | 3,915,000 | 6,283,000 | 8,613,000 |
| Income tax | 489,000 | 986,000 | 1,562,000 | 2,127,000 |
| Net income | 1,448,000 | 2,929,000 | 4,721,000 | 6,486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,141,000 | 44,574,000 | 46,319,000 | 44,957,000 |