Call reports 2007
GRANITE BANK — 2007
What GRANITE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 86,511,000 | 91,432,000 | 94,585,000 | 92,363,000 |
| Total loans | 59,715,000 | 62,268,000 | 62,175,000 | 64,316,000 |
| Allowance for loan losses | 620,000 | 629,000 | 672,000 | 662,000 |
| Securities available for sale | 21,841,000 | 21,638,000 | 24,696,000 | 22,664,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,444,000 | 68,598,000 | 69,456,000 | 66,619,000 |
| Interest-bearing deposits | 55,925,000 | 53,709,000 | 55,248,000 | 53,357,000 |
| Noninterest-bearing deposits | 13,519,000 | 14,889,000 | 14,208,000 | 13,262,000 |
| Equity capital | 7,170,000 | 7,459,000 | 7,793,000 | 7,779,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,470,000 | 2,975,000 | 4,583,000 | 6,162,000 |
| Interest expense | 654,000 | 1,339,000 | 2,091,000 | 2,800,000 |
| Net interest income | 816,000 | 1,636,000 | 2,492,000 | 3,362,000 |
| Noninterest income | 194,000 | 426,000 | 611,000 | 785,000 |
| Noninterest expense | 649,000 | 1,270,000 | 1,884,000 | 2,526,000 |
| Provision for loan losses | 19,000 | 36,000 | 86,000 | 122,000 |
| Pretax income | 342,000 | 756,000 | 1,134,000 | 1,500,000 |
| Income tax | 141,000 | 142,000 | 141,000 | 141,000 |
| Net income | 201,000 | 614,000 | 993,000 | 1,359,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,279,000 | 7,631,000 | 7,898,000 | 7,919,000 |
| Total capital | 7,899,000 | 8,260,000 | 8,570,000 | 8,581,000 |
| Risk-weighted assets | 68,804,000 | 70,780,000 | 66,599,000 | 72,205,000 |
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