Call reports 2002
GRAHAM NATIONAL BANK — 2002
What GRAHAM NATIONAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 82,288,000 | 83,073,000 | 82,229,000 | 83,197,000 |
| Total loans | 67,988,000 | 66,484,000 | 68,030,000 | 67,058,000 |
| Allowance for loan losses | 575,000 | 581,000 | 589,000 | 589,000 |
| Securities available for sale | 3,758,000 | 3,761,000 | 3,754,000 | 3,727,000 |
| Securities held to maturity | 4,357,000 | 4,156,000 | 4,155,000 | 3,765,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,945,000 | 74,465,000 | 73,575,000 | 74,597,000 |
| Interest-bearing deposits | 62,921,000 | 62,928,000 | 62,943,000 | 62,811,000 |
| Noninterest-bearing deposits | 10,024,000 | 11,537,000 | 10,632,000 | 11,786,000 |
| Equity capital | 9,127,000 | 8,352,000 | 8,385,000 | 8,396,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,177,000 | 2,324,000 | 3,465,000 | 4,574,000 |
| Interest expense | 382,000 | 738,000 | 1,082,000 | 1,392,000 |
| Net interest income | 795,000 | 1,586,000 | 2,383,000 | 3,182,000 |
| Noninterest income | 179,000 | 343,000 | 543,000 | 723,000 |
| Noninterest expense | 660,000 | 1,354,000 | 2,275,000 | 3,000,000 |
| Provision for loan losses | 10,000 | 29,000 | 66,000 | 79,000 |
| Pretax income | 304,000 | 546,000 | 585,000 | 826,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 304,000 | 546,000 | 585,000 | 826,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,024,000 | 8,244,000 | 8,283,000 | 8,318,000 |
| Total capital | 9,599,000 | 8,825,000 | 8,872,000 | 8,907,000 |
| Risk-weighted assets | 73,595,000 | 71,413,000 | 73,175,000 | 70,560,000 |