Call reports 2005
GRANITE BANK — 2005
What GRANITE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 87,842,000 | 93,258,000 | 92,597,000 | 83,943,000 |
| Total loans | 58,114,000 | 59,861,000 | 60,087,000 | 58,384,000 |
| Allowance for loan losses | 538,000 | 549,000 | 557,000 | 571,000 |
| Securities available for sale | 24,287,000 | 25,394,000 | 22,023,000 | 20,344,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,531,000 | 71,079,000 | 73,431,000 | 65,555,000 |
| Interest-bearing deposits | 54,572,000 | 57,765,000 | 57,562,000 | 53,723,000 |
| Noninterest-bearing deposits | 10,959,000 | 13,314,000 | 15,869,000 | 11,832,000 |
| Equity capital | 6,889,000 | 6,930,000 | 6,848,000 | 6,961,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,126,000 | 2,340,000 | 3,655,000 | 4,925,000 |
| Interest expense | 363,000 | 803,000 | 1,283,000 | 1,761,000 |
| Net interest income | 763,000 | 1,537,000 | 2,372,000 | 3,164,000 |
| Noninterest income | 184,000 | 396,000 | 364,000 | 620,000 |
| Noninterest expense | 687,000 | 1,765,000 | 2,570,000 | 3,245,000 |
| Provision for loan losses | 19,000 | 38,000 | 66,000 | 145,000 |
| Pretax income | 241,000 | 130,000 | 66,000 | 360,000 |
| Income tax | 78,000 | 12,000 | -31,000 | 68,000 |
| Net income | 163,000 | 118,000 | 97,000 | 292,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,069,000 | 7,024,000 | 7,003,000 | 7,198,000 |
| Total capital | 7,607,000 | 7,573,000 | 7,560,000 | 7,769,000 |
| Risk-weighted assets | 67,647,000 | 72,881,000 | 73,011,000 | 68,056,000 |
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