Call reports 2006
GRAHAM NATIONAL BANK — 2006
What GRAHAM NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 93,885,000 | 90,080,000 | 90,959,000 | 103,464,000 |
| Total loans | 85,312,000 | 83,317,000 | 82,143,000 | 96,181,000 |
| Allowance for loan losses | 611,000 | 611,000 | 611,000 | 611,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,228,000 | 80,509,000 | 80,483,000 | 92,139,000 |
| Interest-bearing deposits | 61,365,000 | 61,539,000 | 61,670,000 | 72,530,000 |
| Noninterest-bearing deposits | 20,864,000 | 18,970,000 | 18,813,000 | 19,609,000 |
| Equity capital | 9,606,000 | 9,372,000 | 10,213,000 | 9,509,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,567,000 | 3,144,000 | 4,790,000 | 6,603,000 |
| Interest expense | 327,000 | 683,000 | 1,108,000 | 1,608,000 |
| Net interest income | 1,240,000 | 2,461,000 | 3,682,000 | 4,995,000 |
| Noninterest income | 296,000 | 605,000 | 1,079,000 | 1,375,000 |
| Noninterest expense | 701,000 | 1,386,000 | 2,040,000 | 2,723,000 |
| Provision for loan losses | 25,000 | 29,000 | 30,000 | 48,000 |
| Pretax income | 810,000 | 1,651,000 | 2,691,000 | 3,599,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 810,000 | 1,651,000 | 2,691,000 | 3,599,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,606,000 | 9,372,000 | 10,213,000 | 9,509,000 |
| Total capital | 10,217,000 | 9,983,000 | 10,824,000 | 10,120,000 |
| Risk-weighted assets | 89,535,000 | 87,330,000 | 92,314,000 | 100,047,000 |