Call reports 2004
GRAHAM NATIONAL BANK — 2004
What GRAHAM NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 85,641,000 | 91,002,000 | 91,151,000 | 92,638,000 |
| Total loans | 69,214,000 | 76,727,000 | 83,317,000 | 84,030,000 |
| Allowance for loan losses | 611,000 | 613,000 | 613,000 | 611,000 |
| Securities available for sale | 586,000 | 460,000 | 233,000 | 231,000 |
| Securities held to maturity | 354,000 | 249,000 | 19,000 | 19,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,707,000 | 81,659,000 | 80,540,000 | 80,913,000 |
| Interest-bearing deposits | 63,010,000 | 67,624,000 | 66,859,000 | 65,724,000 |
| Noninterest-bearing deposits | 13,697,000 | 14,035,000 | 13,682,000 | 15,188,000 |
| Equity capital | 8,758,000 | 9,136,000 | 9,603,000 | 10,136,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 923,000 | 1,900,000 | 2,991,000 | 4,160,000 |
| Interest expense | 200,000 | 397,000 | 601,000 | 816,000 |
| Net interest income | 723,000 | 1,503,000 | 2,390,000 | 3,344,000 |
| Noninterest income | 231,000 | 476,000 | 725,000 | 960,000 |
| Noninterest expense | 546,000 | 1,182,000 | 1,831,000 | 2,471,000 |
| Provision for loan losses | 7,000 | 12,000 | 31,000 | 47,000 |
| Pretax income | 401,000 | 785,000 | 1,253,000 | 1,786,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 401,000 | 785,000 | 1,253,000 | 1,786,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,749,000 | 9,131,000 | 9,600,000 | 10,134,000 |
| Total capital | 9,360,000 | 9,744,000 | 10,213,000 | 10,745,000 |
| Risk-weighted assets | 84,681,000 | 89,749,000 | 93,168,000 | 85,622,000 |