Call reports 2009
GRAYSTONE TOWER BANK — 2009
What GRAYSTONE TOWER BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 1,207,420,000 | 1,270,384,000 | 1,377,480,000 | 1,467,602,000 |
| Total loans | 1,015,251,000 | 1,024,212,000 | 1,010,687,000 | 1,146,305,000 |
| Allowance for loan losses | 7,761,000 | 7,823,000 | 8,391,000 | 9,695,000 |
| Securities available for sale | 51,546,000 | 46,830,000 | 157,966,000 | 188,721,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,008,505,000 | 1,063,247,000 | 1,127,171,000 | 1,217,106,000 |
| Interest-bearing deposits | 918,291,000 | 966,520,000 | 1,030,224,000 | 1,097,990,000 |
| Noninterest-bearing deposits | 90,214,000 | 96,727,000 | 96,947,000 | 119,116,000 |
| Equity capital | 116,353,000 | 125,444,000 | 170,411,000 | 169,526,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 8,423,000 | 24,080,000 | 39,809,000 | 56,382,000 |
| Interest expense | 4,017,000 | 9,419,000 | 14,650,000 | 19,745,000 |
| Net interest income | 4,406,000 | 14,661,000 | 25,159,000 | 36,637,000 |
| Noninterest income | 948,000 | 3,314,000 | 5,202,000 | 8,521,000 |
| Noninterest expense | 5,574,000 | 15,158,000 | 23,806,000 | 33,670,000 |
| Provision for loan losses | 2,366,000 | 3,016,000 | 3,816,000 | 5,216,000 |
| Pretax income | -2,586,000 | -202,000 | 2,736,000 | 6,518,000 |
| Income tax | -919,000 | -166,000 | 673,000 | 2,162,000 |
| Net income | -1,667,000 | -36,000 | 2,063,000 | 4,356,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 103,636,000 | 109,620,000 | 153,856,000 | 154,622,000 |
| Total capital | 111,397,000 | 117,443,000 | 162,247,000 | 164,317,000 |
| Risk-weighted assets | 1,011,724,000 | 1,035,516,000 | 1,033,252,000 | 1,142,493,000 |