Call reports 2012
GRANITE BANK — 2012
What GRANITE BANK 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 | 238,954,000 | 237,914,000 | 245,086,000 | 250,600,000 |
| Total loans | 180,760,000 | 180,282,000 | 179,709,000 | 187,006,000 |
| Allowance for loan losses | 2,169,000 | 1,881,000 | 1,775,000 | 1,956,000 |
| Securities available for sale | 33,355,000 | 30,934,000 | 33,179,000 | 39,480,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,810,000 | 207,592,000 | 213,739,000 | 211,894,000 |
| Interest-bearing deposits | 175,708,000 | 174,489,000 | 178,245,000 | 177,402,000 |
| Noninterest-bearing deposits | 32,102,000 | 33,103,000 | 35,494,000 | 34,492,000 |
| Equity capital | 22,545,000 | 22,928,000 | 23,211,000 | 23,276,000 |
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 | 2,628,000 | 5,144,000 | 7,692,000 | 10,181,000 |
| Interest expense | 453,000 | 864,000 | 1,248,000 | 1,618,000 |
| Net interest income | 2,175,000 | 4,280,000 | 6,444,000 | 8,563,000 |
| Noninterest income | 313,000 | 568,000 | 784,000 | 953,000 |
| Noninterest expense | 1,941,000 | 3,815,000 | 5,679,000 | 7,484,000 |
| Provision for loan losses | 117,000 | 254,000 | 440,000 | 707,000 |
| Pretax income | 430,000 | 964,000 | 1,293,000 | 1,772,000 |
| Income tax | 115,000 | 271,000 | 335,000 | 469,000 |
| Net income | 315,000 | 693,000 | 958,000 | 1,303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,970,000 | 21,323,000 | 21,561,000 | 21,673,000 |
| Total capital | 23,143,000 | 23,208,000 | 23,340,000 | 23,633,000 |
| Risk-weighted assets | 180,859,000 | 179,068,000 | 179,958,000 | 185,056,000 |