Call reports 2013
GRANITE SAVINGS BANK — 2013
What GRANITE SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 70,387,000 | 72,307,000 | 69,146,000 | 68,662,000 |
| Total loans | 40,070,000 | 43,130,000 | 40,933,000 | 40,582,000 |
| Allowance for loan losses | 601,000 | 601,000 | 601,000 | 601,000 |
| Securities available for sale | 17,014,000 | 15,900,000 | 14,564,000 | 14,638,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,808,000 | 56,494,000 | 53,787,000 | 53,643,000 |
| Interest-bearing deposits | 54,038,000 | 53,120,000 | 50,616,000 | 50,217,000 |
| Noninterest-bearing deposits | 2,770,000 | 3,374,000 | 3,171,000 | 3,426,000 |
| Equity capital | 9,833,000 | 9,713,000 | 9,742,000 | 9,817,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 515,000 | 1,030,000 | 1,517,000 | 1,941,000 |
| Interest expense | 100,000 | 199,000 | 290,000 | 375,000 |
| Net interest income | 415,000 | 831,000 | 1,227,000 | 1,566,000 |
| Noninterest income | 84,000 | 161,000 | 197,000 | 320,000 |
| Noninterest expense | 549,000 | 1,100,000 | 1,635,000 | 2,195,000 |
| Provision for loan losses | -50,000 | -50,000 | -50,000 | -50,000 |
| Pretax income | 35,000 | 46,000 | 44,000 | -24,000 |
| Income tax | 21,000 | 24,000 | 26,000 | -45,000 |
| Net income | 14,000 | 22,000 | 18,000 | 21,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,648,000 | 9,657,000 | 9,652,000 | 9,656,000 |
| Total capital | 10,419,000 | 10,448,000 | 10,395,000 | 10,447,000 |
| Risk-weighted assets | 44,562,000 | 50,431,000 | 48,324,000 | 48,487,000 |
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