Call reports 2005
GRAYSTONE TOWER BANK — 2005
What GRAYSTONE TOWER BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q4 |
|---|---|
| Total assets | 65,091,000 |
| Total loans | 25,638,000 |
| Allowance for loan losses | 400,000 |
| Securities available for sale | 36,807,000 |
| Securities held to maturity | 0 |
| Trading assets | 0 |
| Total deposits | 37,542,000 |
| Interest-bearing deposits | 34,892,000 |
| Noninterest-bearing deposits | 2,650,000 |
| Equity capital | 14,504,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q4 |
|---|---|
| Interest income | 230,000 |
| Interest expense | 90,000 |
| Net interest income | 140,000 |
| Noninterest income | 5,000 |
| Noninterest expense | 1,306,000 |
| Provision for loan losses | 400,000 |
| Pretax income | -1,561,000 |
| Income tax | 0 |
| Net income | -1,561,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q4 |
|---|---|
| Tier 1 capital | 14,539,000 |
| Total capital | 14,939,000 |
| Risk-weighted assets | 35,947,000 |