Call reports 2009
GRANITE SAVINGS BANK — 2009
What GRANITE SAVINGS 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 | 61,883,000 | 63,176,000 | 66,363,000 | 67,828,000 |
| Total loans | 37,933,000 | 37,834,000 | 37,270,000 | 36,641,000 |
| Allowance for loan losses | 461,000 | 476,000 | 491,000 | 507,000 |
| Securities available for sale | 13,333,000 | 15,090,000 | 17,463,000 | 18,399,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,279,000 | 51,655,000 | 55,035,000 | 56,558,000 |
| Interest-bearing deposits | 47,751,000 | 49,683,000 | 52,253,000 | 54,438,000 |
| Noninterest-bearing deposits | 2,528,000 | 1,972,000 | 2,782,000 | 2,120,000 |
| Equity capital | 9,647,000 | 9,648,000 | 9,527,000 | 9,534,000 |
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 | 681,000 | 1,346,000 | 1,996,000 | 2,647,000 |
| Interest expense | 220,000 | 442,000 | 664,000 | 883,000 |
| Net interest income | 461,000 | 904,000 | 1,332,000 | 1,764,000 |
| Noninterest income | 20,000 | 43,000 | 69,000 | 282,000 |
| Noninterest expense | 449,000 | 893,000 | 1,526,000 | 2,091,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 17,000 | 24,000 | -170,000 | -55,000 |
| Income tax | 9,000 | 14,000 | -70,000 | -20,000 |
| Net income | 8,000 | 10,000 | -100,000 | -35,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,472,000 | 9,499,000 | 9,403,000 | 9,467,000 |
| Total capital | 9,941,000 | 9,965,000 | 9,921,000 | 9,999,000 |
| Risk-weighted assets | 37,544,000 | 38,568,000 | 39,937,000 | 39,532,000 |
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