Call reports 2010
GRANITE SAVINGS BANK — 2010
What GRANITE SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 67,093,000 | 67,210,000 | 67,530,000 | 72,171,000 |
| Total loans | 37,343,000 | 37,246,000 | 36,826,000 | 39,798,000 |
| Allowance for loan losses | 519,000 | 537,000 | 553,000 | 549,000 |
| Securities available for sale | 19,195,000 | 17,681,000 | 18,213,000 | 16,662,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,095,000 | 55,470,000 | 55,424,000 | 60,439,000 |
| Interest-bearing deposits | 52,784,000 | 52,905,000 | 53,202,000 | 57,976,000 |
| Noninterest-bearing deposits | 3,311,000 | 2,565,000 | 2,222,000 | 2,463,000 |
| Equity capital | 9,463,000 | 9,377,000 | 9,728,000 | 9,659,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 636,000 | 1,264,000 | 1,881,000 | 2,492,000 |
| Interest expense | 199,000 | 387,000 | 566,000 | 739,000 |
| Net interest income | 437,000 | 877,000 | 1,315,000 | 1,753,000 |
| Noninterest income | 40,000 | 73,000 | 668,000 | 710,000 |
| Noninterest expense | 581,000 | 1,148,000 | 1,658,000 | 2,204,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | -119,000 | -223,000 | 285,000 | 208,000 |
| Income tax | -36,000 | -67,000 | 143,000 | 87,000 |
| Net income | -83,000 | -156,000 | 142,000 | 121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,384,000 | 9,300,000 | 9,610,000 | 9,587,000 |
| Total capital | 9,924,000 | 9,800,000 | 10,155,000 | 10,200,000 |
| Risk-weighted assets | 39,642,000 | 39,960,000 | 39,928,000 | 41,798,000 |
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