Call reports 2003
GRAHAM NATIONAL BANK — 2003
What GRAHAM NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 83,286,000 | 85,107,000 | 86,047,000 | 83,406,000 |
| Total loans | 55,722,000 | 62,101,000 | 61,525,000 | 66,037,000 |
| Allowance for loan losses | 593,000 | 598,000 | 603,000 | 611,000 |
| Securities available for sale | 1,799,000 | 1,784,000 | 1,617,000 | 1,602,000 |
| Securities held to maturity | 2,984,000 | 2,986,000 | 2,174,000 | 1,918,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,396,000 | 76,348,000 | 77,042,000 | 74,682,000 |
| Interest-bearing deposits | 63,385,000 | 64,661,000 | 64,779,000 | 62,744,000 |
| Noninterest-bearing deposits | 11,011,000 | 11,687,000 | 12,263,000 | 11,937,000 |
| Equity capital | 8,683,000 | 8,549,000 | 8,779,000 | 8,547,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,016,000 | 1,960,000 | 2,862,000 | 3,745,000 |
| Interest expense | 269,000 | 520,000 | 753,000 | 967,000 |
| Net interest income | 747,000 | 1,440,000 | 2,109,000 | 2,778,000 |
| Noninterest income | 192,000 | 383,000 | 620,000 | 850,000 |
| Noninterest expense | 616,000 | 1,235,000 | 1,877,000 | 2,532,000 |
| Provision for loan losses | 25,000 | 39,000 | 57,000 | 75,000 |
| Pretax income | 298,000 | 549,000 | 795,000 | 1,021,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 298,000 | 549,000 | 795,000 | 1,021,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,616,000 | 8,495,000 | 8,741,000 | 8,523,000 |
| Total capital | 9,209,000 | 9,093,000 | 9,344,000 | 9,134,000 |
| Risk-weighted assets | 61,766,000 | 76,017,000 | 81,624,000 | 83,600,000 |