Call reports 2007
GRAHAM NATIONAL BANK — 2007
What GRAHAM NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 98,756,000 | 103,292,000 | 110,606,000 | 106,499,000 |
| Total loans | 92,624,000 | 97,098,000 | 103,777,000 | 92,415,000 |
| 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 | 87,398,000 | 93,898,000 | 100,135,000 | 95,691,000 |
| Interest-bearing deposits | 69,536,000 | 77,372,000 | 82,047,000 | 76,643,000 |
| Noninterest-bearing deposits | 17,862,000 | 16,526,000 | 18,089,000 | 19,048,000 |
| Equity capital | 9,345,000 | 9,143,000 | 10,152,000 | 10,577,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,808,000 | 3,609,000 | 5,590,000 | 7,392,000 |
| Interest expense | 547,000 | 1,119,000 | 1,774,000 | 2,350,000 |
| Net interest income | 1,261,000 | 2,490,000 | 3,816,000 | 5,042,000 |
| Noninterest income | 330,000 | 694,000 | 1,062,000 | 1,427,000 |
| Noninterest expense | 649,000 | 1,321,000 | 1,994,000 | 2,695,000 |
| Provision for loan losses | 0 | 1,000 | 14,000 | 28,000 |
| Pretax income | 942,000 | 1,862,000 | 2,870,000 | 3,746,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 942,000 | 1,862,000 | 2,870,000 | 3,746,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,345,000 | 9,143,000 | 10,152,000 | 10,577,000 |
| Total capital | 9,956,000 | 9,754,000 | 10,763,000 | 11,188,000 |
| Risk-weighted assets | 96,601,000 | 97,360,000 | 105,350,000 | 95,312,000 |