Call reports 2014
GRANITE BANK — 2014
What GRANITE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 92,771,000 | 94,698,000 | 97,054,000 | 103,983,000 |
| Total loans | 70,250,000 | 71,711,000 | 77,541,000 | 77,563,000 |
| Allowance for loan losses | 1,041,000 | 1,065,000 | 1,088,000 | 1,098,000 |
| Securities available for sale | 3,665,000 | 3,479,000 | 4,907,000 | 5,629,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,638,000 | 83,431,000 | 85,694,000 | 92,375,000 |
| Interest-bearing deposits | 62,579,000 | 63,107,000 | 64,774,000 | 69,083,000 |
| Noninterest-bearing deposits | 19,059,000 | 20,324,000 | 20,920,000 | 23,292,000 |
| Equity capital | 7,901,000 | 8,051,000 | 8,266,000 | 8,323,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 939,000 | 1,889,000 | 2,866,000 | 3,894,000 |
| Interest expense | 80,000 | 154,000 | 231,000 | 314,000 |
| Net interest income | 859,000 | 1,735,000 | 2,635,000 | 3,580,000 |
| Noninterest income | 180,000 | 342,000 | 539,000 | 735,000 |
| Noninterest expense | 805,000 | 1,659,000 | 2,516,000 | 3,402,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 211,000 | 373,000 | 590,000 | 823,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 211,000 | 373,000 | 590,000 | 823,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,785,000 | 7,947,000 | 8,164,000 | 8,094,000 |
| Total capital | 8,735,000 | 8,901,000 | 9,150,000 | 9,119,000 |
| Risk-weighted assets | 79,398,000 | 78,297,000 | 83,366,000 | 85,507,000 |
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