Call reports 2007
GRAYSTONE TOWER BANK — 2007
What GRAYSTONE TOWER BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 287,050,000 | 351,825,000 | 396,219,000 | 446,430,000 |
| Total loans | 222,434,000 | 276,918,000 | 324,692,000 | 390,275,000 |
| Allowance for loan losses | 3,037,000 | 3,302,000 | 3,713,000 | 4,148,000 |
| Securities available for sale | 56,912,000 | 49,286,000 | 27,316,000 | 27,931,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 228,482,000 | 295,722,000 | 334,301,000 | 359,230,000 |
| Interest-bearing deposits | 211,994,000 | 237,090,000 | 299,444,000 | 329,620,000 |
| Noninterest-bearing deposits | 16,488,000 | 58,632,000 | 34,857,000 | 29,610,000 |
| Equity capital | 29,329,000 | 34,741,000 | 35,311,000 | 56,349,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,549,000 | 10,188,000 | 16,951,000 | 24,307,000 |
| Interest expense | 2,490,000 | 5,564,000 | 9,283,000 | 13,131,000 |
| Net interest income | 2,059,000 | 4,624,000 | 7,668,000 | 11,176,000 |
| Noninterest income | 326,000 | 672,000 | 1,108,000 | 1,599,000 |
| Noninterest expense | 2,490,000 | 5,025,000 | 7,740,000 | 10,654,000 |
| Provision for loan losses | 881,000 | 1,146,000 | 1,562,000 | 1,997,000 |
| Pretax income | -986,000 | -875,000 | -526,000 | 124,000 |
| Income tax | 0 | 45,000 | 163,000 | 86,000 |
| Net income | -986,000 | -920,000 | -689,000 | 38,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,373,000 | 34,768,000 | 35,283,000 | 56,310,000 |
| Total capital | 32,368,000 | 38,070,000 | 38,996,000 | 60,458,000 |
| Risk-weighted assets | 239,561,000 | 301,165,000 | 365,239,000 | 421,707,000 |