Call reports 2008
GRAHAM NATIONAL BANK — 2008
What GRAHAM NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 110,825,000 | 111,415,000 | 114,652,000 | 107,619,000 |
| Total loans | 77,777,000 | 95,705,000 | 107,140,000 | 100,198,000 |
| Allowance for loan losses | 612,000 | 611,000 | 612,000 | 1,016,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,150,000 | 100,111,000 | 102,710,000 | 95,588,000 |
| Interest-bearing deposits | 79,391,000 | 77,552,000 | 76,705,000 | 74,783,000 |
| Noninterest-bearing deposits | 20,759,000 | 22,559,000 | 26,005,000 | 20,804,000 |
| Equity capital | 10,458,000 | 11,083,000 | 11,693,000 | 11,891,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,551,000 | 2,875,000 | 4,377,000 | 5,812,000 |
| Interest expense | 513,000 | 906,000 | 1,238,000 | 1,502,000 |
| Net interest income | 1,038,000 | 1,969,000 | 3,139,000 | 4,310,000 |
| Noninterest income | 371,000 | 741,000 | 1,208,000 | 1,590,000 |
| Noninterest expense | 660,000 | 1,338,000 | 2,020,000 | 2,771,000 |
| Provision for loan losses | 0 | 0 | 170,000 | 573,000 |
| Pretax income | 749,000 | 1,372,000 | 2,157,000 | 2,556,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 749,000 | 1,372,000 | 2,157,000 | 2,556,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,458,000 | 11,083,000 | 11,693,000 | 11,891,000 |
| Total capital | 11,070,000 | 11,694,000 | 12,305,000 | 12,907,000 |
| Risk-weighted assets | 85,866,000 | 100,255,000 | 110,677,000 | 103,004,000 |