Call reports 2001
GRANITE BANK — 2001
What GRANITE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 105,668,000 | 106,227,000 | 109,347,000 | 107,153,000 |
| Total loans | 63,503,000 | 64,609,000 | 64,990,000 | 68,288,000 |
| Allowance for loan losses | 1,380,000 | 1,441,000 | 1,422,000 | 1,505,000 |
| Securities available for sale | 35,516,000 | 33,156,000 | 35,882,000 | 31,981,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,343,000 | 92,823,000 | 96,645,000 | 95,028,000 |
| Interest-bearing deposits | 76,824,000 | 78,152,000 | 79,926,000 | 80,078,000 |
| Noninterest-bearing deposits | 15,519,000 | 14,671,000 | 16,719,000 | 14,950,000 |
| Equity capital | 9,457,000 | 9,575,000 | 9,897,000 | 10,072,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,071,000 | 4,121,000 | 6,145,000 | 7,942,000 |
| Interest expense | 1,026,000 | 1,965,000 | 2,837,000 | 3,624,000 |
| Net interest income | 1,045,000 | 2,156,000 | 3,308,000 | 4,318,000 |
| Noninterest income | 101,000 | 215,000 | 321,000 | 431,000 |
| Noninterest expense | 905,000 | 1,799,000 | 2,711,000 | 3,349,000 |
| Provision for loan losses | 56,000 | 113,000 | 142,000 | 226,000 |
| Pretax income | 209,000 | 562,000 | 879,000 | 1,286,000 |
| Income tax | 44,000 | 144,000 | 229,000 | 340,000 |
| Net income | 165,000 | 418,000 | 650,000 | 946,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,093,000 | 9,336,000 | 9,730,000 | 9,892,000 |
| Total capital | 9,989,000 | 10,282,000 | 10,745,000 | 10,867,000 |
| Risk-weighted assets | 71,234,000 | 75,224,000 | 80,820,000 | 77,468,000 |