Call reports 2008
GRAYSTONE TOWER BANK — 2008
What GRAYSTONE TOWER BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 524,412,000 | 565,293,000 | 615,897,000 | 641,361,000 |
| Total loans | 444,173,000 | 499,612,000 | 543,419,000 | 571,046,000 |
| Allowance for loan losses | 4,898,000 | 5,190,000 | 5,817,000 | 6,017,000 |
| Securities available for sale | 33,498,000 | 18,801,000 | 26,215,000 | 19,904,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 403,144,000 | 449,504,000 | 490,231,000 | 525,500,000 |
| Interest-bearing deposits | 370,095,000 | 408,715,000 | 449,843,000 | 483,004,000 |
| Noninterest-bearing deposits | 33,049,000 | 40,789,000 | 40,388,000 | 42,496,000 |
| Equity capital | 57,098,000 | 57,418,000 | 58,301,000 | 59,170,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,403,000 | 15,123,000 | 23,498,000 | 32,124,000 |
| Interest expense | 3,912,000 | 7,902,000 | 12,012,000 | 16,273,000 |
| Net interest income | 3,491,000 | 7,221,000 | 11,486,000 | 15,851,000 |
| Noninterest income | 644,000 | 1,274,000 | 2,333,000 | 3,158,000 |
| Noninterest expense | 3,192,000 | 6,544,000 | 10,086,000 | 13,802,000 |
| Provision for loan losses | 750,000 | 1,225,000 | 1,900,000 | 2,550,000 |
| Pretax income | 193,000 | 711,000 | 1,818,000 | 2,642,000 |
| Income tax | -371,000 | -195,000 | 168,000 | 438,000 |
| Net income | 564,000 | 906,000 | 1,650,000 | 2,204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,994,000 | 57,452,000 | 58,308,000 | 59,023,000 |
| Total capital | 61,892,000 | 62,642,000 | 64,125,000 | 65,040,000 |
| Risk-weighted assets | 482,585,000 | 531,908,000 | 578,575,000 | 602,843,000 |