Call reports 2013
GRANITE BANK — 2013
What GRANITE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 249,055,000 | 260,446,000 | 261,559,000 | 262,072,000 |
| Total loans | 187,565,000 | 191,525,000 | 182,359,000 | 187,517,000 |
| Allowance for loan losses | 1,978,000 | 2,032,000 | 2,023,000 | 1,861,000 |
| Securities available for sale | 38,293,000 | 34,598,000 | 40,999,000 | 45,338,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,945,000 | 225,480,000 | 226,341,000 | 224,774,000 |
| Interest-bearing deposits | 181,292,000 | 184,631,000 | 188,678,000 | 185,962,000 |
| Noninterest-bearing deposits | 32,653,000 | 40,849,000 | 37,663,000 | 38,812,000 |
| Equity capital | 23,349,000 | 22,868,000 | 23,039,000 | 23,140,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,454,000 | 4,905,000 | 7,306,000 | 9,711,000 |
| Interest expense | 355,000 | 712,000 | 1,069,000 | 1,410,000 |
| Net interest income | 2,099,000 | 4,193,000 | 6,237,000 | 8,301,000 |
| Noninterest income | 312,000 | 643,000 | 917,000 | 1,179,000 |
| Noninterest expense | 1,810,000 | 3,646,000 | 5,437,000 | 7,271,000 |
| Provision for loan losses | 114,000 | 228,000 | 289,000 | 289,000 |
| Pretax income | 487,000 | 1,065,000 | 1,544,000 | 2,035,000 |
| Income tax | 125,000 | 315,000 | 445,000 | 581,000 |
| Net income | 362,000 | 750,000 | 1,099,000 | 1,454,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,003,000 | 21,780,000 | 21,955,000 | 22,171,000 |
| Total capital | 23,986,000 | 23,816,000 | 23,982,000 | 24,036,000 |
| Risk-weighted assets | 184,242,000 | 186,710,000 | 181,243,000 | 187,858,000 |