Call reports 2003
GARDEN CITY STATE BANK — 2003
What GARDEN CITY STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 32,395,000 | 34,380,000 | 35,967,000 | 37,746,000 |
| Total loans | 26,998,000 | 27,944,000 | 29,728,000 | 31,681,000 |
| Allowance for loan losses | 445,000 | 446,000 | 472,000 | 475,000 |
| Securities available for sale | 2,357,000 | 1,863,000 | 1,846,000 | 1,834,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,112,000 | 29,876,000 | 31,497,000 | 33,154,000 |
| Interest-bearing deposits | 25,062,000 | 26,029,000 | 27,866,000 | 29,927,000 |
| Noninterest-bearing deposits | 3,050,000 | 3,847,000 | 3,631,000 | 3,227,000 |
| Equity capital | 3,730,000 | 3,960,000 | 3,938,000 | 4,022,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 565,000 | 1,159,000 | 1,756,000 | 2,381,000 |
| Interest expense | 181,000 | 363,000 | 529,000 | 683,000 |
| Net interest income | 384,000 | 796,000 | 1,227,000 | 1,698,000 |
| Noninterest income | 61,000 | 137,000 | 84,000 | 154,000 |
| Noninterest expense | 262,000 | 549,000 | 899,000 | 1,283,000 |
| Provision for loan losses | 37,000 | 59,000 | 91,000 | 151,000 |
| Pretax income | 146,000 | 325,000 | 321,000 | 418,000 |
| Income tax | 5,000 | 12,000 | 15,000 | 17,000 |
| Net income | 141,000 | 313,000 | 306,000 | 401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,701,000 | 3,923,000 | 3,916,000 | 4,011,000 |
| Total capital | 4,084,000 | 4,331,000 | 4,337,000 | 4,460,000 |
| Risk-weighted assets | 30,622,000 | 32,607,000 | 33,617,000 | 35,904,000 |
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