Call reports 2012
GRANITE BANK — 2012
What GRANITE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 74,449,000 | 73,925,000 | 75,994,000 | 77,663,000 |
| Total loans | 53,999,000 | 53,831,000 | 57,067,000 | 56,445,000 |
| Allowance for loan losses | 1,019,000 | 999,000 | 983,000 | 1,006,000 |
| Securities available for sale | 6,309,000 | 6,130,000 | 5,434,000 | 5,425,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,941,000 | 61,428,000 | 63,397,000 | 65,201,000 |
| Interest-bearing deposits | 45,211,000 | 44,962,000 | 46,008,000 | 47,979,000 |
| Noninterest-bearing deposits | 16,730,000 | 16,466,000 | 17,389,000 | 17,222,000 |
| Equity capital | 7,773,000 | 7,809,000 | 7,865,000 | 7,826,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 847,000 | 1,713,000 | 2,553,000 | 3,392,000 |
| Interest expense | 85,000 | 165,000 | 243,000 | 321,000 |
| Net interest income | 762,000 | 1,548,000 | 2,310,000 | 3,071,000 |
| Noninterest income | 173,000 | 365,000 | 587,000 | 763,000 |
| Noninterest expense | 718,000 | 1,410,000 | 2,219,000 | 2,946,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 187,000 | 443,000 | 588,000 | 768,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 187,000 | 443,000 | 588,000 | 768,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,689,000 | 7,782,000 | 7,725,000 | 7,685,000 |
| Total capital | 8,246,000 | 8,482,000 | 8,359,000 | 8,371,000 |
| Risk-weighted assets | 49,070,000 | 56,238,000 | 51,333,000 | 54,099,000 |