Call reports 2004
GRANITE BANK — 2004
What GRANITE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 80,984,000 | 82,622,000 | 86,096,000 | 86,771,000 |
| Total loans | 48,298,000 | 50,214,000 | 52,228,000 | 55,256,000 |
| Allowance for loan losses | 595,000 | 592,000 | 562,000 | 578,000 |
| Securities available for sale | 23,302,000 | 24,574,000 | 24,259,000 | 25,052,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,853,000 | 61,666,000 | 64,820,000 | 65,547,000 |
| Interest-bearing deposits | 48,616,000 | 48,865,000 | 51,395,000 | 51,688,000 |
| Noninterest-bearing deposits | 11,237,000 | 12,801,000 | 13,425,000 | 13,859,000 |
| Equity capital | 6,664,000 | 6,540,000 | 6,850,000 | 6,930,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,036,000 | 2,026,000 | 3,071,000 | 4,188,000 |
| Interest expense | 328,000 | 626,000 | 940,000 | 1,281,000 |
| Net interest income | 708,000 | 1,400,000 | 2,131,000 | 2,907,000 |
| Noninterest income | 109,000 | 323,000 | 559,000 | 766,000 |
| Noninterest expense | 637,000 | 1,282,000 | 1,957,000 | 2,622,000 |
| Provision for loan losses | 19,000 | 38,000 | 56,000 | 75,000 |
| Pretax income | 234,000 | 476,000 | 750,000 | 1,058,000 |
| Income tax | 80,000 | 166,000 | 264,000 | 376,000 |
| Net income | 154,000 | 310,000 | 486,000 | 682,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,379,000 | 6,535,000 | 6,710,000 | 6,906,000 |
| Total capital | 6,974,000 | 7,127,000 | 7,272,000 | 7,484,000 |
| Risk-weighted assets | 59,432,000 | 62,478,000 | 67,058,000 | 69,247,000 |
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