Call reports 2010
GRAYSTONE TOWER BANK — 2010
What GRAYSTONE TOWER BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 1,540,013,000 | 1,585,394,000 | 1,616,437,000 | 2,745,490,000 |
| Total loans | 1,168,315,000 | 1,231,061,000 | 1,334,388,000 | 2,219,525,000 |
| Allowance for loan losses | 10,892,000 | 11,619,000 | 12,717,000 | 14,053,000 |
| Securities available for sale | 194,626,000 | 190,537,000 | 145,308,000 | 102,500,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,280,829,000 | 1,326,905,000 | 1,360,231,000 | 2,335,128,000 |
| Interest-bearing deposits | 1,154,633,000 | 1,202,136,000 | 1,230,543,000 | 1,998,688,000 |
| Noninterest-bearing deposits | 126,196,000 | 124,769,000 | 129,689,000 | 336,441,000 |
| Equity capital | 178,364,000 | 179,534,000 | 180,261,000 | 256,611,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 17,573,000 | 36,057,000 | 54,951,000 | 76,823,000 |
| Interest expense | 5,161,000 | 10,263,000 | 15,304,000 | 20,265,000 |
| Net interest income | 12,412,000 | 25,794,000 | 39,647,000 | 56,558,000 |
| Noninterest income | 1,978,000 | 4,446,000 | 7,393,000 | 11,411,000 |
| Noninterest expense | 9,715,000 | 21,278,000 | 32,281,000 | 53,860,000 |
| Provision for loan losses | 1,450,000 | 3,350,000 | 4,950,000 | 9,050,000 |
| Pretax income | 3,229,000 | 5,616,000 | 10,051,000 | 5,584,000 |
| Income tax | 975,000 | 1,719,000 | 3,155,000 | 1,890,000 |
| Net income | 2,254,000 | 3,897,000 | 6,896,000 | 3,533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 163,290,000 | 163,124,000 | 164,312,000 | 232,117,000 |
| Total capital | 174,182,000 | 174,743,000 | 177,028,000 | 246,624,000 |
| Risk-weighted assets | 1,168,925,000 | 1,238,483,000 | 1,345,063,000 | 2,092,549,000 |