Call reports 2007
GRANITE SAVINGS BANK — 2007
What GRANITE SAVINGS 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 | 55,433,000 | 58,490,000 | 57,986,000 | 60,190,000 |
| Total loans | 39,100,000 | 38,689,000 | 37,250,000 | 35,853,000 |
| Allowance for loan losses | 407,000 | 410,000 | 416,000 | 420,000 |
| Securities available for sale | 10,827,000 | 10,280,000 | 10,221,000 | 11,013,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,640,000 | 48,650,000 | 48,019,000 | 49,162,000 |
| Interest-bearing deposits | 44,313,000 | 47,241,000 | 46,212,000 | 47,231,000 |
| Noninterest-bearing deposits | 1,327,000 | 1,409,000 | 1,807,000 | 1,931,000 |
| Equity capital | 9,498,000 | 9,566,000 | 9,685,000 | 9,730,000 |
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 | 779,000 | 1,544,000 | 2,347,000 | 3,126,000 |
| Interest expense | 277,000 | 572,000 | 889,000 | 1,206,000 |
| Net interest income | 502,000 | 972,000 | 1,458,000 | 1,920,000 |
| Noninterest income | 28,000 | 58,000 | 89,000 | 119,000 |
| Noninterest expense | 374,000 | 757,000 | 1,162,000 | 1,552,000 |
| Provision for loan losses | 4,000 | 10,000 | 16,000 | 22,000 |
| Pretax income | 154,000 | 264,000 | 399,000 | 504,000 |
| Income tax | 63,000 | 108,000 | 162,000 | 205,000 |
| Net income | 91,000 | 156,000 | 237,000 | 299,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,148,000 | 9,214,000 | 9,295,000 | 9,356,000 |
| Total capital | 9,806,000 | 9,897,000 | 9,961,000 | 9,971,000 |
| Risk-weighted assets | 32,680,000 | 33,376,000 | 32,353,000 | 31,657,000 |
Machine access — free, no API key
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