Call reports 2006
GRAYSTONE TOWER BANK — 2006
What GRAYSTONE TOWER BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 138,885,000 | 165,379,000 | 177,340,000 | 245,093,000 |
| Total loans | 76,644,000 | 111,710,000 | 130,557,000 | 172,519,000 |
| Allowance for loan losses | 1,150,000 | 1,676,000 | 1,676,000 | 2,156,000 |
| Securities available for sale | 53,859,000 | 46,780,000 | 37,916,000 | 63,734,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,144,000 | 140,124,000 | 146,482,000 | 195,721,000 |
| Interest-bearing deposits | 97,010,000 | 118,976,000 | 132,847,000 | 179,570,000 |
| Noninterest-bearing deposits | 7,134,000 | 21,148,000 | 13,635,000 | 16,151,000 |
| Equity capital | 13,377,000 | 14,078,000 | 14,483,000 | 20,160,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,403,000 | 3,800,000 | 6,736,000 | 10,614,000 |
| Interest expense | 685,000 | 2,028,000 | 3,609,000 | 5,800,000 |
| Net interest income | 718,000 | 1,772,000 | 3,127,000 | 4,814,000 |
| Noninterest income | 47,000 | 121,000 | 251,000 | 370,000 |
| Noninterest expense | 1,122,000 | 2,382,000 | 3,851,000 | 6,322,000 |
| Provision for loan losses | 750,000 | 1,276,000 | 1,276,000 | 1,756,000 |
| Pretax income | -1,107,000 | -1,765,000 | -1,749,000 | -2,894,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,107,000 | -1,765,000 | -1,749,000 | -2,894,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,430,000 | 14,143,000 | 14,504,000 | 20,194,000 |
| Total capital | 14,580,000 | 15,709,000 | 16,180,000 | 22,350,000 |
| Risk-weighted assets | 98,573,000 | 125,147,000 | 146,355,000 | 196,794,000 |