Call reports 2012
BANK OF GRANITE — 2012
What BANK OF GRANITE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 749,120,000 | 732,628,000 | 716,963,000 | 682,082,000 |
| Total loans | 352,853,000 | 327,034,000 | 332,170,000 | 307,361,000 |
| Allowance for loan losses | 65,000 | 3,810,000 | 3,817,000 | 5,952,000 |
| Securities available for sale | 197,481,000 | 197,973,000 | 181,611,000 | 207,827,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 680,417,000 | 665,045,000 | 647,024,000 | 613,906,000 |
| Interest-bearing deposits | 591,204,000 | 574,329,000 | 557,199,000 | 531,190,000 |
| Noninterest-bearing deposits | 89,213,000 | 90,716,000 | 89,825,000 | 82,716,000 |
| Equity capital | 64,550,000 | 64,479,000 | 66,669,000 | 64,903,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 8,334,000 | 16,518,000 | 23,483,000 | 30,208,000 |
| Interest expense | 656,000 | 1,249,000 | 1,860,000 | 2,337,000 |
| Net interest income | 7,678,000 | 15,269,000 | 21,623,000 | 27,871,000 |
| Noninterest income | 1,146,000 | 1,121,000 | 1,786,000 | 1,162,000 |
| Noninterest expense | 7,107,000 | 13,388,000 | 19,445,000 | 25,264,000 |
| Provision for loan losses | 0 | 3,351,000 | 3,646,000 | 5,552,000 |
| Pretax income | 1,671,000 | 927,000 | 1,338,000 | 1,439,000 |
| Income tax | 0 | 0 | 0 | 176,000 |
| Net income | 1,671,000 | 927,000 | 1,338,000 | 1,263,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,157,000 | 55,565,000 | 56,130,000 | 56,209,000 |
| Total capital | 56,391,000 | 56,209,000 | 60,117,000 | 60,896,000 |
| Risk-weighted assets | 436,537,000 | 415,569,000 | 386,072,000 | 373,661,000 |