Call reports 2010
GRANITE BANK — 2010
What GRANITE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 84,444,000 | 82,101,000 | 83,351,000 | 83,322,000 |
| Total loans | 63,349,000 | 62,460,000 | 61,668,000 | 59,167,000 |
| Allowance for loan losses | 1,270,000 | 1,147,000 | 1,081,000 | 915,000 |
| Securities available for sale | 9,576,000 | 9,380,000 | 9,421,000 | 7,534,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,200,000 | 67,700,000 | 69,860,000 | 70,155,000 |
| Interest-bearing deposits | 55,350,000 | 54,592,000 | 55,827,000 | 55,034,000 |
| Noninterest-bearing deposits | 11,850,000 | 13,108,000 | 14,033,000 | 15,121,000 |
| Equity capital | 8,084,000 | 8,251,000 | 8,318,000 | 8,025,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,065,000 | 2,093,000 | 3,116,000 | 4,109,000 |
| Interest expense | 268,000 | 496,000 | 697,000 | 885,000 |
| Net interest income | 797,000 | 1,597,000 | 2,419,000 | 3,224,000 |
| Noninterest income | 126,000 | 270,000 | 451,000 | 588,000 |
| Noninterest expense | 682,000 | 1,410,000 | 2,163,000 | 2,985,000 |
| Provision for loan losses | 165,000 | 202,000 | 437,000 | 802,000 |
| Pretax income | 76,000 | 255,000 | 270,000 | 25,000 |
| Income tax | 0 | 0 | 1,000 | 1,000 |
| Net income | 76,000 | 255,000 | 269,000 | 24,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,478,000 | 7,658,000 | 7,672,000 | 7,426,000 |
| Total capital | 8,273,000 | 8,471,000 | 8,485,000 | 8,161,000 |
| Risk-weighted assets | 62,592,000 | 64,777,000 | 64,778,000 | 58,933,000 |
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