Call reports 2009
GRAHAM NATIONAL BANK — 2009
What GRAHAM NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 105,123,000 | 100,265,000 | 104,198,000 | 104,607,000 |
| Total loans | 81,103,000 | 83,489,000 | 90,341,000 | 88,628,000 |
| Allowance for loan losses | 1,017,000 | 1,025,000 | 1,024,000 | 897,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,843,000 | 89,134,000 | 92,995,000 | 93,826,000 |
| Interest-bearing deposits | 69,604,000 | 67,092,000 | 67,566,000 | 69,856,000 |
| Noninterest-bearing deposits | 24,238,000 | 22,042,000 | 25,429,000 | 23,969,000 |
| Equity capital | 11,165,000 | 10,982,000 | 11,025,000 | 10,698,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,149,000 | 2,314,000 | 3,515,000 | 4,713,000 |
| Interest expense | 216,000 | 401,000 | 581,000 | 752,000 |
| Net interest income | 933,000 | 1,913,000 | 2,934,000 | 3,961,000 |
| Noninterest income | 315,000 | 587,000 | 878,000 | 1,409,000 |
| Noninterest expense | 749,000 | 1,534,000 | 2,303,000 | 3,085,000 |
| Provision for loan losses | 0 | 0 | 0 | 253,000 |
| Pretax income | 499,000 | 966,000 | 1,509,000 | 2,032,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 499,000 | 966,000 | 1,509,000 | 2,032,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,165,000 | 10,982,000 | 11,025,000 | 10,698,000 |
| Total capital | 12,182,000 | 12,007,000 | 12,049,000 | 11,595,000 |
| Risk-weighted assets | 85,156,000 | 89,397,000 | 95,316,000 | 93,997,000 |