Call reports 2009
GRANITE COMMUNITY BANK, NATIONAL ASSOCIATION — 2009
What GRANITE COMMUNITY BANK, NATIONAL ASSOCIATION 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 | 137,226,000 | 137,284,000 | 121,350,000 | 108,338,000 |
| Total loans | 112,458,000 | 105,888,000 | 96,465,000 | 88,976,000 |
| Allowance for loan losses | 6,330,000 | 4,138,000 | 3,438,000 | 3,594,000 |
| Securities available for sale | 3,041,000 | 4,033,000 | 3,016,000 | 2,073,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,170,000 | 120,672,000 | 108,054,000 | 101,787,000 |
| Interest-bearing deposits | 92,333,000 | 93,445,000 | 80,213,000 | 78,006,000 |
| Noninterest-bearing deposits | 27,838,000 | 27,227,000 | 27,841,000 | 23,781,000 |
| Equity capital | 8,970,000 | 8,527,000 | 7,195,000 | 3,396,000 |
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 | 1,648,000 | 3,253,000 | 4,676,000 | 5,912,000 |
| Interest expense | 652,000 | 1,203,000 | 1,658,000 | 1,997,000 |
| Net interest income | 996,000 | 2,050,000 | 3,018,000 | 3,915,000 |
| Noninterest income | 150,000 | 301,000 | 1,396,000 | 1,610,000 |
| Noninterest expense | 1,341,000 | 2,993,000 | 4,889,000 | 8,119,000 |
| Provision for loan losses | 0 | 0 | 1,500,000 | 3,135,000 |
| Pretax income | -195,000 | -642,000 | -1,975,000 | -5,729,000 |
| Income tax | 1,000 | -4,000 | -4,000 | 1,000 |
| Net income | -196,000 | -638,000 | -1,971,000 | -5,730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,937,000 | 8,494,000 | 7,162,000 | 3,402,000 |
| Total capital | 10,547,000 | 10,015,000 | 8,547,000 | 4,678,000 |
| Risk-weighted assets | 123,308,000 | 118,639,000 | 108,411,000 | 98,986,000 |