Call reports 2005
GRAHAM NATIONAL BANK — 2005
What GRAHAM NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 91,639,000 | 92,488,000 | 92,680,000 | 95,832,000 |
| Total loans | 82,984,000 | 82,988,000 | 81,037,000 | 86,967,000 |
| Allowance for loan losses | 611,000 | 614,000 | 626,000 | 611,000 |
| Securities available for sale | 231,000 | 0 | 0 | 0 |
| Securities held to maturity | 19,000 | 19,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,298,000 | 80,059,000 | 83,380,000 | 81,581,000 |
| Interest-bearing deposits | 65,345,000 | 64,048,000 | 63,718,000 | 62,500,000 |
| Noninterest-bearing deposits | 14,952,000 | 16,011,000 | 19,662,000 | 19,081,000 |
| Equity capital | 10,762,000 | 8,417,000 | 9,130,000 | 9,831,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,234,000 | 2,545,000 | 3,970,000 | 5,456,000 |
| Interest expense | 219,000 | 477,000 | 783,000 | 1,086,000 |
| Net interest income | 1,015,000 | 2,068,000 | 3,187,000 | 4,370,000 |
| Noninterest income | 228,000 | 468,000 | 792,000 | 1,083,000 |
| Noninterest expense | 604,000 | 1,249,000 | 1,971,000 | 2,683,000 |
| Provision for loan losses | 10,000 | 10,000 | 22,000 | 41,000 |
| Pretax income | 629,000 | 1,277,000 | 1,986,000 | 2,729,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 629,000 | 1,277,000 | 1,986,000 | 2,729,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,761,000 | 8,417,000 | 9,130,000 | 9,831,000 |
| Total capital | 11,372,000 | 9,031,000 | 9,756,000 | 10,442,000 |
| Risk-weighted assets | 95,264,000 | 86,302,000 | 85,455,000 | 89,124,000 |