Call reports 2011
GRANITE SAVINGS BANK — 2011
What GRANITE SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 70,533,000 | 74,806,000 | 72,585,000 | 74,212,000 |
| Total loans | 40,063,000 | 40,395,000 | 40,946,000 | 41,132,000 |
| Allowance for loan losses | 564,000 | 579,000 | 594,000 | 610,000 |
| Securities available for sale | 18,642,000 | 21,036,000 | 21,157,000 | 21,096,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,843,000 | 63,088,000 | 60,887,000 | 59,546,000 |
| Interest-bearing deposits | 56,835,000 | 60,859,000 | 58,642,000 | 56,770,000 |
| Noninterest-bearing deposits | 2,008,000 | 2,229,000 | 2,245,000 | 2,776,000 |
| Equity capital | 9,659,000 | 9,747,000 | 9,604,000 | 9,756,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 644,000 | 1,282,000 | 1,910,000 | 2,529,000 |
| Interest expense | 162,000 | 319,000 | 467,000 | 603,000 |
| Net interest income | 482,000 | 963,000 | 1,443,000 | 1,926,000 |
| Noninterest income | 27,000 | 57,000 | 138,000 | 170,000 |
| Noninterest expense | 563,000 | 1,108,000 | 1,639,000 | 2,136,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | -52,000 | -49,000 | -19,000 | -16,000 |
| Income tax | -16,000 | -11,000 | -1,000 | -19,000 |
| Net income | -36,000 | -38,000 | -18,000 | 3,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,553,000 | 9,551,000 | 9,569,000 | 9,591,000 |
| Total capital | 10,190,000 | 10,208,000 | 10,165,000 | 10,268,000 |
| Risk-weighted assets | 41,148,000 | 41,779,000 | 42,009,000 | 42,620,000 |
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