Call reports 2003
GRANITE BANK — 2003
What GRANITE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 75,937,000 | 79,424,000 | 80,624,000 | 82,215,000 |
| Total loans | 44,768,000 | 48,234,000 | 48,859,000 | 48,919,000 |
| Allowance for loan losses | 530,000 | 542,000 | 565,000 | 587,000 |
| Securities available for sale | 19,326,000 | 22,311,000 | 21,995,000 | 26,384,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 1,000,000 | 0 | 0 | 0 |
| Total deposits | 56,263,000 | 58,380,000 | 59,725,000 | 61,070,000 |
| Interest-bearing deposits | 45,792,000 | 47,696,000 | 48,847,000 | 49,759,000 |
| Noninterest-bearing deposits | 10,471,000 | 10,684,000 | 10,878,000 | 11,311,000 |
| Equity capital | 6,105,000 | 6,431,000 | 6,358,000 | 6,543,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,029,000 | 2,077,000 | 3,159,000 | 4,220,000 |
| Interest expense | 366,000 | 714,000 | 1,068,000 | 1,403,000 |
| Net interest income | 663,000 | 1,363,000 | 2,091,000 | 2,817,000 |
| Noninterest income | 210,000 | 473,000 | 723,000 | 909,000 |
| Noninterest expense | 605,000 | 1,262,000 | 1,889,000 | 2,503,000 |
| Provision for loan losses | 14,000 | 34,000 | 55,000 | 75,000 |
| Pretax income | 254,000 | 540,000 | 830,000 | 1,108,000 |
| Income tax | 85,000 | 183,000 | 286,000 | 380,000 |
| Net income | 169,000 | 357,000 | 544,000 | 728,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,786,000 | 5,974,000 | 6,161,000 | 6,345,000 |
| Total capital | 6,316,000 | 6,516,000 | 6,726,000 | 6,932,000 |
| Risk-weighted assets | 57,112,000 | 60,447,000 | 65,676,000 | 59,992,000 |
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Every figure shown here about GRANITE BANK — 2003 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.