Call reports 2006
GRANITE BANK — 2006
What GRANITE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 182,099,000 | 178,760,000 | 180,636,000 | 185,209,000 |
| Total loans | 122,686,000 | 123,713,000 | 127,313,000 | 128,173,000 |
| Allowance for loan losses | 1,919,000 | 1,984,000 | 2,064,000 | 2,105,000 |
| Securities available for sale | 41,170,000 | 39,013,000 | 36,992,000 | 38,800,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,930,000 | 160,782,000 | 162,053,000 | 165,275,000 |
| Interest-bearing deposits | 140,132,000 | 136,495,000 | 135,711,000 | 139,299,000 |
| Noninterest-bearing deposits | 23,797,000 | 24,287,000 | 26,342,000 | 25,976,000 |
| Equity capital | 13,012,000 | 12,926,000 | 13,564,000 | 13,864,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,683,000 | 5,466,000 | 8,338,000 | 11,348,000 |
| Interest expense | 1,007,000 | 2,059,000 | 3,151,000 | 4,382,000 |
| Net interest income | 1,676,000 | 3,407,000 | 5,187,000 | 6,966,000 |
| Noninterest income | 127,000 | 263,000 | 401,000 | 527,000 |
| Noninterest expense | 1,510,000 | 3,017,000 | 4,508,000 | 5,962,000 |
| Provision for loan losses | 65,000 | 130,000 | 196,000 | 252,000 |
| Pretax income | 222,000 | 517,000 | 878,000 | 1,273,000 |
| Income tax | 30,000 | 38,000 | 85,000 | 149,000 |
| Net income | 192,000 | 479,000 | 793,000 | 1,124,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,216,000 | 13,310,000 | 13,688,000 | 13,927,000 |
| Total capital | 14,980,000 | 15,024,000 | 15,421,000 | 15,713,000 |
| Risk-weighted assets | 140,968,000 | 136,786,000 | 138,223,000 | 141,369,000 |